Yes Bank
Platinum · Prosperity Rewards+
Yes Prosperity Rewards+ Credit Card
Yes Bank
Platinum card with 4 RP per ₹100 and 2 domestic lounge per quarter
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.8%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹12,821
Total Annual Benefits
₹14,000
Total Annual Charges
₹1,179
ROI
1088%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter
- • 2 visits per quarter at domestic lounges
2 visits/quarter
₹16,000/yr
Reward Points (1)
Reward Points on All Spends
4 Reward Points per ₹100 spent on all retail purchases
4 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
YES Prosperity Rewards
4 RP per ₹100
Effective cashback: 0.80%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via YES Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.20)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹35,000
- Min. Annual Income
- ₹4,20,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹35,000
- • Self-Employed: ITR > ₹4.2 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹1.0 L
Report within 24h
- • Credit liability cover: ₹10 Lakh
Airport Lounge Access
Domestic
2 visits/year
Per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per quarter
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility 4 RP per ₹100 on all spends 2 domestic lounge visits per quarter Fuel surcharge waiver
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Yes Prosperity Rewards+ Credit Card is a feature-rich Visa Platinum card offering 4 reward points per ₹100 on all spends, 2 complimentary domestic...
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