Credit Cards: YES Prosperity Cash Back Credit Card

Benefits

Please note that effective 15th April 2019, select features, fees and charges on your YES BANK Credit Card will be revised. To know more, click here.

Welcome Cashback
- Get Cashback of INR 250 on spends of INR 2,500 in first 30 days of card set up^a
Cashback on every transaction
- 5% Cashback on Movie Ticket bookings^b
- 5% Cashback on Grocery Shopping^c
- 0.50% Cashback on all Other retails spends^d
- 5% Cashback on Bill Payments through YES PayNow^e
- Please click here to know more
Attractive Interest Rate on Revolving Credit and Preferential Foreign Currency Markup
- Interest Rate of 2.99% per month (35.88% annually) on Revolving Credit, Cash Advances and Overdue Amount for Cardmembers who have YES BANK Salary or Savings Account relationship
- Interest Rate of 3.22% per month (38.64% annually) on Revolving Credit, Cash Advances and Overdue Amount for Cardmembers who do not have YES BANK Salary or Savings Account relationship
- Preferential Foreign Currency Markup of 3.40% only
Fuel Surcharge Waiver
- Fuel surcharge waiver at all fuel stations across India for transaction between INR 400 to INR 5,000^d
Lifestyle Benefit : Please visit YES Privileges to know more
- Avail great offers across travel, dining, shopping, wellness and more, in select cities
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 9212738927 from your registered mobile number
- Please click here to know more

Enjoy below services on your Credit Card

Valid on retail transactions only. Not valid on cash withdrawals
Total Cashback is capped at INR 100 in a statement cycle. Minimum Transaction Value of INR 500 is required for qualifying for 5% Cashback
Total Cashback is capped at INR 100 in a statement cycle. Minimum Transaction Value of INR 500 is required for qualifying for 5% Cashback
Valid on retail transactions only. Not applicable on fuel transactions
Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payment
Total waiver in statement cycle is capped at INR 125. Only surcharge will be waived, Service Tax as levied on surcharge will not be waived
In case of lost /stolen card or any suspicious transaction on your YES BANK credit card, you can block your card immediately by sending an SMS. SMS BLKCC <Space><Last 4 digits of card number> to 9840909000 from your registered mobile number

Click here for value chart

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

charges

Annual Membership Fees

First Year Membership Fee of Rs 1000 + Applicable Taxes
Renewal Membership Fee of Rs 1,000 + Applicable Taxes

Privileges

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	Single	Spouse	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 )	Y	Y	Y
Internet security by F-Secure (in case of laptops and PCs)	Y	Y	Y
Roadside Assistance -Breakdown support, battery jumpstart, flat tyre support, fuel delivery, vehicle towing etc.	-	-	Y
Temporary Smartphone replacement (in case of stolen phones)	Y	Y	Y
Credit Report and Analysis Benefit	Y	Y	Y
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

Credit Card Payment

Easy ways to make YES BANK Credit Card Bill Payment

You can pay the YES BANK Credit Card Bill through the following convenient channels

a) For YES BANK Account Holders:

Net Banking: Register yourself for the YES BANK Net Banking and make Credit Card payments online.
Standing Instruction: You can submit a written instruction to automatically debit a pre-determined portion of your monthly outstanding from your Savings/Current Account to your Credit Card Account.
ATM Funds Transfer: You can transfer funds from your Savings/Current Account to your Credit Card Account at any YES BANK ATM.

b) For All Customers:

For NEFT/IMPS/RTGS mode of payment - “You can make your payment through NEFT/IMPS/RTGS fund transfer mode from other bank accounts. Please add your YES BANK Credit Card as a beneficiary. Use IFSC code: YESB0CMSNOC”
Billdesk: Click on the given link to make the payment using Billdesk facility. Please click https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit YES BANK Credit Card Number, and drop the cheque at nearest YES BANK drop box. Please mention your name and mobile number on the back of the cheque.
Cash Payment: You can also make payment through Cash at YES BANK Branches. Please refer to the schedule of Charges in the Most Important Terms & Conditions for charges applicable for cash payments.

YES Prosperity CashBack Credit Card

key attractions

WELCOME CASHBACK

ADDITIONAL CASHBACK

PREFERENTIAL INTEREST RATE

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