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Credit Card - YES Prosperity Edge

YES Prosperity Edge Credit Card
for Nri

With the YES PROSPERITY EDGE Credit Card, you will always have the edge. Experience a world of benefits, complemented by a highly rewarding experience.

Eligibility for YES Prosperity Edge Credit Card

1: Age Criteria: Minimum 21 years to maximum 60 years

2: NRE/NRO account holder with YES BANK

3: Minimum Fixed Deposit of amount INR 3,00,000 with YES BANK

To track the status of your Credit Card application, please call our 24*7 YES TOUCH Customer Care Number +91 22 49350000 quoting the 13 digit unique application reference number sent to your mobile number.


For Credit Card E Welcome Kit, click here




key attractions


Accelerated Reward Points on select transactions through YES CART


15,000 Bonus Reward Points on achieving spends of INR 6 Lakhs or more in each anniversary year


Dedicated Website for Flight/Hotel/Movie Ticket Booking with Exclusive Catalogue of Products


  • Annual Reward Points

    *Anniversary year is defined as 12 months from the date of card set up or date of renewal

    • Earn 15,000 reward points on annual spend of Rs. 6 Lakhs in one anniversary year*

  • Reward Points Program w.e.f 15th June 2021

    • Accelerated rewards point will continue to be offered on select transactions on YESCART

    • 4 Reward Points for every INR 200 on all categoriesb other than ‘Select categories’

    • 2 Reward Points for every INR 200 on Select categoriesa

    • 5X Reward Points on first 3 transactions of the biller registered on YES PayNow (valid only on first 5 billers registered)c .Please click here to know more

  • Edge Reward Points Redemption: Please visit YesRewardz to know more

    • Flight/Hotel/Movie ticket booking on Reward Points redemption

    • Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)

    • Redemption available for Flights, Hotels and Movies only (Catalogue redemption not available)

    • To Redeem your Reward Points, please call on +91 40 6653 4510 or write a mail to or contact your relationship manager

  • Interest Rate on Revolving Credit

    • Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount

  • Preferential Foreign Currency Markup

    • Preferential Foreign Currency Markup of 3% only

  • Priority Pass Membership and Lounge Access***

    • Avail Priority Pass Membership worth US $99, at no additional charges

    • Access the lounges at a fee of US $27+GST per person per visit

    ***Priority Pass membership is only applicable to Primary Cardmember. To apply for your Priority Pass membership, please download the Application Form from website(Form Center) and send it to the address mentioned on the form. For the list of lounges, Please visit

  • MasterCard Lounge Program#

    • Primary Cardmembers enjoy Domestic Lounge access, limited to 2 visits per quarter (with effect from 15th June 2021, will be 1 visit per quarter), across 30+ lounges in India. Pease click here to know more

    #The list of lounges may be changed by Mastercard at its sole discretion and without any prior notice to YES BANK or its Cardmembers. Please click here to know more

  • MasterCard World Golf Program

    • Enjoy Waiver of Green Fee at select golf courses** in India

    • Enjoy one complimentary Golf lesson every calender month

    • For bookings, please contact MasterCard Golf Concierge on 1800 102 6263

    **The list of golf courses may be changed by MasterCard at its sole discretion and without any prior notice to YES BANK or its Cardmembers.
    Please click here to know more

  • Fuel Surcharge Waiver

    • 1% Fuel surcharge is waivedd at all fuel stations across India for transactions between Rs 400/- to Rs 5,000/-

  • Contactless Card Technology

    • YES Prosperity Edge Credit Card is enabled with contactless technology, facilitating fast, convenient and secure payments at retail outlets. You can use your card to make quick transactions at merchant locations accepting contactless card

  • Secure Password for Online transactions

    • Secure your online transactions with MasterCard® SecureCode™

    • Click here to create your 3D Secure Password

  • Password for IVR transactions

    • To generate the OTP for IVR Transactions for your YES BANK Credit Card– SMS ‘YESIVR<space> last 4 digits of your YES BANK Credit Card number’ to +91 9212738927 from your registered mobile number.

    • For more details please click here

  • Enjoy below services on your Credit Card


  1. Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard as per the table below, referred to as Select categories. Not valid on EMI on Call & Instant EMI transactions




    Transportation—Suburban and Local Commuter Passenger, including Ferries


    Limousines and Taxicabs


    Bus Lines


    Utilities—Electric, Gas, Heating Oil, Sanitary, Water


    Grocery Stores, Supermarkets


    Direct Marketing—Insurance Services


    Insurance Sales, Underwriting, and Premiums


    Schools, Elementary and Secondary


    Colleges, Universities, Professional Schools, and Junior Colleges


    Schools, Correspondence


    Schools, Business and Secretarial


    Schools, Trade and Vocational


    Schools and Educational Services—not elsewhere classified


    Court Costs Including Alimony and Child Support




    Tax Payments


    Government Services—not elsewhere classified


    Postal Services—Government Only


    Intra-Government Purchases—Government Only


    Bridge and Road Fees, Tolls


    Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores


  2. Valid on retail purchases only. Not applicable on fuel transactions, Cash Advance, Fee and Charges, Priority Pass charges and EMI on Call & Instant EMI transactions

  3. Applicable only on standing instruction based YES PayNow transaction. Not applicable for register and pay or adhoc payments. Additionally, please note – a. De-registration of a biller within 6 months on YES PayNow will result in reversal of reward points earned for that particular biller transaction. b. De-registration of biller post 6 months of YES PayNow registration, followed by re-registration will not earn any reward points.

  4. Surcharge reversal amount is capped at Rs 250 in a statement cycle. Please note that Fuel surcharge may vary from 1% to 2.5% of the amount spent on fuel transaction. The rate of surcharge varies depending upon the fuel retail outlets and their acquiring banks.

Click here for value chart

Click here to view detailed Terms & Conditions


1) Please note- The physical PIN for the card will not be sent along with the Credit Card welcome kit. You can generate a PIN of your choice by logging into YES BANK NetBanking. Click here to get started.

2) The Credit Card will be delivered in inactive state. Please get in touch with your Relationship Manager to activate the Card or reach out to Customer Care through the YES TOUCH number mentioned at the back of your card


Visit your nearest YES BANK Branch to apply. Click here to Locate the nearest branch


Annual membership fees

  1. First Year Membership Fee of INR 1,199 + Applicable Taxes, waived on total retail spends of INR 15,000 within 90 days of card set up date
  2. Renewal Membership Fee of INR 1,199 + Applicable Taxes, waived on total retail spends of INR 75,000 within 12 months prior to card renewal date


Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES. Click here

Instant EMI

There are some things in life that you want instantly. We understand your needs and present to you our unique ‘Instant EMI’ feature on your YES BANK Credit Card.
You can now take your dream holiday or the long-awaited wide screen television and repay in Equated Monthly Installments (EMIs) with your YES BANK Credit Card. You can earn rewards points on your transactions that are converted into EMIs

  • Key Attractions:
    • Zero documentation
    • No Processing fees
    • Repayment options from 3 months to 24 months
    • Convert Transaction starting from as low as INR 2,500
    • Interest Rates ranging from 12% p.a to 15% p.a
  • List of Partners:
    • Now you can shop with your YES BANK Credit Card for groceries, gadgets, trendy apparel or booking travel tickets, pay in easy instalments at the following merchant partner.
    • Please click here view list of stores and click here to view list of online partners
    • For detailed Terms and Conditions please click here


Card Protection Plan

YES BANK brings to you CPP Card Protection, India's first comprehensive card protection service. It can be used in the event of card loss, theft, any related fraud and emergencies. You can safeguard all cards including credit, debit, and Pre-paid cards with CPP Card Protection. In case of card loss or theft that may have occurred anywhere in the world, all that you need to do is call CPP's 24-hour helpline, to report loss of card(s).

Card Protection Plan Features

Classic Plus

Premium Plus

Platinum Plus

Annual Membership Fee

Rs 1749

Rs 2249

Rs 2899

Additional members covered in one CPP membership



Spouse & Parents

24 hour loss reporting    

Y – All cards

Y – All cards

Y – All cards

Emergency Cash in India (per CPP Membership)

Rs 5,000

Rs 20,000

Rs 20,000

Emergency Hotel Bills/ Travel tickets Overseas

Rs 80,000

Rs 120,000

Rs 160,000

Emergency Hotel Bills/ Travel tickets in India        

Rs 40,000

Rs 60,000

Rs 80,000

F-Secure Mobile Security (in case of Smartphones )




Internet security by F-Secure (in case of laptops and PCs)




Roadside Assistance -Breakdown support, battery jumpstart, flat tyre support, fuel delivery, vehicle towing etc.




Temporary Smartphone replacement (in case of stolen phones)




Credit Report and Analysis Benefit




Fraud against loss, theft, online, skimming, counterfeit, phishing

Rs 100,000

Rs 200,000

Rs 300,000

Number of days covered prior to notification to Card Issuer

30 days

30 days

30 days

Mobile Wallet Protection (Per Membership)

Rs. 50,000

Rs. 100,000

Rs. 100,000

Number of Days Covered (Prior to notification)

3 days

3 days

3 days

what would you like to do next?

Important Documents
Find a Branch

Have any other query?

Q. What are the easy ways to make YES BANK Credit Card Bill Payment?

Your account has been set up with Auto-Debit option from your YES BANK NRE/NRO account. Additional payments can be made from YES BANK NRE/NRO account only. Please click here to visit NetBanking


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yes pay wallet

Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

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Download Forms

Documents Required

  • Credit Card – Cardmember Agreement
  • Authorized Collection & Recovery Agencies
  • YES Prosperity Credit Cards MITC – Telugu
  • YES Prosperity Credit Cards MITC – Tamil
  • YES Prosperity Credit Cards MITC – Punjabi
  • YES Prosperity Credit Cards MITC – Marathi
  • YES Prosperity Credit Cards MITC – Kannada
  • YES Prosperity Credit Cards MITC – Hindi
  • YES Prosperity Credit Cards MITC – Gujarati
  • YES Prosperity MITC Credit Cards-English
  • YES Prosperity Credit Cards MITC – Bengali