LTF

🎁 Get up to ₹1,000 Amazon Voucher on select credit cards!

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YES Prosperity Reward Plus Credit Card
Visa, Mastercard 📡 Contactless NFC

YES Prosperity Reward Plus Credit Card

Joining Fee₹499
Annual Fee₹499
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Travelers and diners wanting 8x points on travel bookings, 5x on dining, domestic airport lounge access, and a very low ₹50k annual spend fee waiver.

Who Should Avoid

Users seeking international lounge visits or direct cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus Reward Points upon payment of joining fee and realization

8 Reward Points per ₹200 on Travel Spends

Earn 8 Reward Points per ₹200 (1.0% return) on travel spends (airlines, hotels, agencies, capped at 1,500 points/month).

5 Reward Points per ₹200 on Dining & International

Earn 5 Reward Points per ₹200 on dining and international spends.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25
Standard Base Earning
2 Reward Points per ₹200 spent on regular domestic retail purchases (0.25% return; 1 RP = ₹0.25)
Accelerated / Partner Rate
8 Reward Points per ₹200 (1.0% return; 1 RP = ₹0.25) on travel spends (airlines, hotels, travel agencies, capped at 1,500 points/month); 5 Reward Points per ₹200 on Dining and International spends
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: YES Rewardz Catalog (Brand Vouchers & Flight Bookings), Direct Statement Cash Credit
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹499 + GST is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the YES Prosperity Reward Plus Credit Card

Annual Fee: ₹499/yr (Waivable)

Personalized Card Matcher

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, YES Prosperity Reward Plus Credit Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).