Yes Bank

YES Prosperity Reward Plus Credit Card

YES Prosperity Rewards Plus (now YES BANK ACE): earn 8 Reward Points per ₹200 on travel and dining, 4 per ₹200 on other spends, minimum 15% dining discount and a ₹500 welcome voucher

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Yes Bank

YES Prosperity Reward Plus Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score720

Key Highlights

Travel

Earn 8 Reward Points per ₹200 on Travel Spends

Applicable on airlines, airports, travel agencies and hotel bookings, capped at 1,500 YES Rewardz Points per statement cycle

Earn 8 Reward Points per ₹200 on Travel Spends

Applicable on airlines, airports, travel agencies and hotel bookings, capped at 1,500 YES Rewardz Points per statement cycle

Dining

Get a Minimum 15% Discount on Dining Out

under the YES BANK Dining Fiesta Program, over and above the 8 Reward Points earned per ₹200 spent at restaurants, bars and fast-food outlets

Shopping

Earn 4 Reward Points per ₹200

on Select categories such as grocery, utilities, education and insurance

Get a Minimum 15% Discount on Dining Out

under the YES BANK Dining Fiesta Program, over and above the 8 Reward Points earned per ₹200 spent at restaurants, bars and fast-food outlets

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹7.5 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499
Joining Fee OffsetFREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days
Annual Fee₹499
Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy
Estimated Annual Saving₹9999

Rewards & Redemption

Reward Conversion1 YES Rewardz Point = ₹0.25
Redemption Options
  • Flight & Hotel Bookings
  • Merchandise & Vouchers
Earning ExclusionsURI Transactions, Fuel, Cash Advance, Priority Pass, Lounge Key Charges, EMI, Rent, Wallet Load Transactions, Government Services, Tolls
Spend ExclusionsURI Transactions, Fuel, Cash Advance, Priority Pass, Lounge Key Charges, EMI, Rent, Wallet Load Transactions, Government Services, Tolls

Benefits

All Benefits

  • Accelerated Reward Points of 8 per ₹200 on Travel and Dining spends
  • 4 Reward Points per ₹200 on all other categories
  • minimum 15% dining discount under the Dining Fiesta Program
  • air miles conversion to InterMiles and Club Vistara

Welcome Benefits

  • FREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days

Flight Benefits

  • 8 Reward Points per ₹200 spent with airlines, air carriers, airports and travel agencies

Railway Benefits

  • 2 Reward Points per ₹200 spent on suburban and local commuter passenger transport

Cab Benefits

  • 2 Reward Points per ₹200 spent on limousines and taxicabs 

Bus Benefits

  • 2 Reward Points per ₹200 spent on bus lines 

Dining Benefits

  • Minimum 15% discount on dining at select restaurants under the YES BANK Dining Fiesta Program, plus 8 Reward Points per ₹200 spent at eating places and restaurants, drinking places and bars, and fast food restaurants 

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at fuel stations across India on transactions between ₹500 and ₹3,000, capped at a maximum waiver of ₹100 per statement cycle 

Insurance Benefits

  • Credit Shield cover of ₹1 Lakh and Lost Card liability cover of ₹1.3 Lakh
  • The policy coverage starts from the date of the credit card set-up

Bank Offer

  • Instant EMI on transactions as low as ₹1,500
  • EMI on Call to convert payments into EMI at attractive interest rates
  • Quick Loan within the card limit; YES PayNow for automatic monthly bill payment
  • Card Protection Plan against card loss

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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