YES Prosperity Cashback Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: YES Bank
Network: Visa | Tier: Entry
Cashback on online spends
Why Choose the YES Prosperity Cashback Credit Card?
The YES Prosperity Cashback Credit Card is a Entry-tier Visa credit card issued by YES Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Online users. With a reward rate of 3% cashback and an annual fee of ₹499, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹499 joining fee.
YES Prosperity Cashback Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.8% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
YES Prosperity Cashback Credit Card Rewards & Benefits
| Reward Rate | 3% cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Online users |
Key Highlights of the YES Prosperity Cashback Credit Card
- Cashback on online spends
- 3% cashback
YES Prosperity Cashback Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,50,000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the YES Prosperity Cashback Credit Card
- Cashback benefits
Drawbacks of the YES Prosperity Cashback Credit Card
- Capped rewards
YES Prosperity Cashback Credit Card — Frequently Asked Questions
What is the annual fee of the YES Prosperity Cashback Credit Card?
The YES Prosperity Cashback Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the YES Prosperity Cashback Credit Card offer airport lounge access?
No, the YES Prosperity Cashback Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the YES Prosperity Cashback Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the YES Prosperity Cashback Credit Card?
The YES Prosperity Cashback Credit Card earns 3% cashback. It is best suited for Online users.
Credit Cards Similar to the YES Prosperity Cashback Credit Card
If you are considering the YES Prosperity Cashback Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card by SBI Card — rated 4.7/5, ₹999 annual fee
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
Expert Rating: 4.3/5