YES Prosperity Rewards Credit Card
Yes Bank · Closed to new applicants
An older YES Bank entry rewards card at ₹499: 2 YES Rewardz per ₹200 on everything but the Select categories (1 there), plus a fuel surcharge waiver. No longer in the current listing.
- Annual fee
- ₹399 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹25,000 spend per card year
- Base rate
- 2 YES Rewardz per ₹200 on all other retail spends: 2 YES Rewardz per ₹200 (about 0.1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No YES Rewardz on rent, wallet loads, fuel, government services, cash withdrawals and EMI
- No YES Rewardz on insurance, education, railways, tolls and jewellery (from 15 Jun 2026)
- No YES Rewardz on railways and ferry
Where the sources disagree
- joining fee and fee waivers: The MITC fee table (v18, 5 Oct 2026) gives YES Prosperity Rewards ₹399 a year, waived on ₹25,000 spend in the card year, with no joining fee; the product page states ₹499, waived on ₹10,000 within a month and ₹1,00,000 a year, which are the figures of the MITC's YES Prosperity Business row. We use the MITC.
- utility points cap: The MITC caps points on utility spends at 150 a statement cycle for Prosperity Rewards; the page glossary says 75. We use the MITC.
Terms the calculator does not value
- YES Rewardz are valued at ₹0.25 only on flights and hotels (up to 70% of the invoice value) per YES Bank's redemption rules; statement credit and e-gift vouchers are worth ₹0.10 (₹0.10 for vouchers on this card), capped at 50% of available points. The calculator's cash-like mode uses the lower options.
- Paid feature, Rewards Subscription Plan (one year): Plan 1 at ₹1,000 gives 3 times the regular points on all categories; Plan 2 at ₹2,000 gives 5 times on travel, dining, fashion and healthcare. Not an always-on rate, so not in the earn rules.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, YES Prosperity Rewards Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, MARQUÉE Credit Card value chart (values YES Rewardz at up to ₹0.25) (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)
- YES BANK Credit Card Redemption Rules (Private, Marquee, Reserv and other cards) (Reward terms, the bank's own, read 6 Nov 2026)