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Credit Card - YES Prosperity Rewards

YES Prosperity CashBack Plus Credit Card

Apply Now Credit Card Payment Refer Now

Earn extra cash back on your regular transactions.Get the unmatched convenience and safety of cashless payment and get your cash back automatically as statement credit.

Eligibility for YES Prosperity Cashback Plus Credit Card

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

2: Salaried or Self Employed

3: Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 Lakhs and above

To track your Application status, click here or please call our 24*7 YES TOUCH Customer Care Number 1800-103-1212 quoting the 13 digit unique application reference number sent to your mobile number.

 

For Samsung Pay, click here

 

For Bharat QR, click here

 

For Credit Card E Welcome Kit, click here

key attractions

WELCOME CASHBACK

Welcome Onboard with Rs 250 Cashback on total spends of Rs 2500 within 30 days of card set up

ADDITIONAL CASHBACK

5% Cashback on spends on Movies, Grocery and Utility Bill Payments. 0.75% Cashback on all other spends except fuel.

PREFERENTIAL INTEREST RATE

Preferential Interest Rate on Revolving Credit

Benefits

  • Welcome Cashback

    • Get Cashback of INR 250 on spends of INR 2,500 in first 30 days of card set upa

  • Cashback on every transaction

    • 5% Cashback on Movie Ticket bookingsb

    • 5% Cashback on Grocery Shoppingc

    • 0.75% Cashback on all Other retails spendsd

    • 5% Cashback on Bill Payments through YES PayNowe

    • Please click here to know more

  • Insurance Coverage

    • Credit Shield cover in case of accidental death of Primary Cardmember

    • 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 5,000f

  • 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

  1. Valid on retail transactions only. Not valid on cash withdrawals

  2. Total Cashback is capped at INR 100 in a statement cycle. Minimum Transaction Value of INR 500 is required for qualifying for 5% Cashback.

  3. Total Cashback is capped at INR 100 in a statement cycle. Minimum Transaction Value of INR 500 is required for qualifying for 5% Cashback.

  4. Valid on retail transactions only. Not applicable on fuel transactions

  5. Applicable only on standing instruction based YES PayNow registration. Not applicable for register and pay or adhoc payment
  6. 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

  7. 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

  1. First Year Membership Fee of Rs 1,500 + Applicable Taxes
  2. Renewal Membership Fee of Rs 1,500 + 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.

 

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Important Documents
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Have any other query?

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

A. You can pay the YES BANK Credit Card Bill through the following convenient channels
a) For YES BANK Account Holders:

  • NetBanking: Register yourself for the YES BANK NetBanking 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..

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 https://netbanking.yesbank.co.in/netbanking/DISCLAIMER.html
  • Cheque Payment: You can make your Credit Card payment by cheque, quoting your 16 digit Credit Card Number, and drop the cheque at any of our drop boxes in your city. 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.

+

Q. How do I contact YES BANK Credit Cards Customer Care?

A. You may contact us on our 24*7 YES TOUCH Customer Care on the below numbers
a) YES FIRST Credit Cards

  •  1800 103 6000 (Toll Free for Mobile & Landlines in India)
  •  +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yesfirstcc@yesbank.in

b) YES Prosperity Credit Cards

  • 1800 103 1212 (Toll Free for Mobile & Landlines in India)
  • +91 22 4935 0000 (When Calling from Outside India)
  •  Email us at yestouchcc@yesbank.in

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Documents Required

  • Fair Practice Code for Credit Card Operations
  • Add On Credit Card T&C
  • Credit Card - Card Member Agreement
  • Authorized Collection & Recovery Agencies
  • YES Prosperity MITC Credit Cards-Telugu
  • YES Prosperity MITC Credit Cards-Tamil
  • YES Prosperity MITC Credit Cards-Punjabi
  • YES Prosperity MITC Credit Cards-Marathi
  • YES Prosperity MITC Credit Cards-Kannada
  • YES Prosperity MITC Credit Cards-Hindi
  • YES Prosperity MITC Credit Cards-Gujrathi
  • YES Prosperity MITC Credit Cards - English
  • YES Prosperity MITC Credit Cards-Bengali
  • Code of Banks Commitment to Customers