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Credit Cards · India

YES Bank Prosperity Cashback Plus Credit Card

Updated 5 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 logo
YES Bank Prosperity Cashback Plus Credit Card
Mastercard logo
  • Joining Fee₹1,499
  • Annual Fee₹1,499
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on movies grocery utilities (cap 100 cashback inr / statement)
  • Base 0.75% on other spends
Welcome Benefits
  • Welcome cashback ₹250
Data verified 5 Jul 2026 — see our methodology
YES Bank logoYESMastercard logoplatinummid
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Rewards and Benefits

Rewards Rate
5% on movies grocery utilities (cap 100 cashback inr / statement)
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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹145/mo

    You spend ₹8,000 · earns 5.0% = ₹400 uncapped → cap ₹100 clamps it, ₹300 lost to the cap · ₹45 earned at base beyond it

    • Cap ₹100/mo reached — extra spend earns base
  • Utilities & bills₹38/mo

    You spend ₹5,000 · earns 5.0% = ₹250 uncapped → cap ₹100 clamps it, ₹250 lost to the cap · ₹38 earned at base beyond it

    • Cap ₹100/mo reached — extra spend earns base

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.8% = ₹113/mo
  • Dining & food delivery₹8,000 · 0.8% = ₹60/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.8% = ₹75/mo
Est.net rewards for this spend, realistic
₹3,661/yr

₹5,160 rewards − ₹1,499 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹250 welcome benefit

  • Welcome cashback ₹250
    Card activation
    Window: 90 days from issuance.

Accelerated rewards

  • 5% on movies grocery utilities (cap 100 cashback inr / statement)
    5% movies/grocery/utilities capped Rs100/cycle COMBINED.
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

Last verified 5 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.
Tagsmidcashbackmoviesgroceriesutilities