YES Bank Prosperity Cashback Plus Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank Prosperity Cashback Plus Credit Card is a mid credit card from YES Bank, with a joining fee of ₹1,499 + GST.
It earns up to 5% on movies grocery utilities spends in the form of cashback.
Welcome benefit: Welcome cashback ₹250.
YES Bank Prosperity Cashback Plus Credit Card
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 5% on movies grocery utilities
- Base 0.75% on other spends
Welcome Benefits
- Welcome cashback ₹250
YESplatinummidRewards and Benefits
Rewards Rate
5% on movies grocery utilities
Base 0.75% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
Welcome cashback ₹250
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- mid card issued by YES Bank.
- Joining / annual fee of ₹1,499 + GST.
- Available on the Mastercard network.
Pros & Cons
Pros
- Accelerated earn worth ≈5.0% on movies grocery utilities.
Cons
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹250 welcome benefit
- Welcome cashback ₹250Card activationWindow: 90 days from issuance.
Accelerated rewards
- 5% on movies grocery utilities5% cashback on Movies, Grocery & Utility Bill Payments (Auto Pay only); utility cashback is capped monthly.
Capping rules
- 5% category cashback (movies/grocery/utility) subject to monthly caps
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹5,00,000 p.a.
- Income (self-employed)
- ₹5,00,000 p.a.