YES Prosperity Rewards Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: YES Bank
Network: Visa | Tier: Entry
Basic rewards card
Why Choose the YES Prosperity Rewards Credit Card?
The YES Prosperity Rewards Credit Card is a Entry-tier Visa credit card issued by YES Bank, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points 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 Rewards 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 Rewards Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the YES Prosperity Rewards Credit Card
- Basic rewards card
- Reward points
YES Prosperity Rewards 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 Rewards Credit Card
- Low entry
Drawbacks of the YES Prosperity Rewards Credit Card
- Basic benefits
YES Prosperity Rewards Credit Card — Frequently Asked Questions
What is the annual fee of the YES Prosperity Rewards Credit Card?
The YES Prosperity Rewards 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 Rewards Credit Card offer airport lounge access?
No, the YES Prosperity Rewards 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 Rewards 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 Rewards Credit Card?
The YES Prosperity Rewards Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the YES Prosperity Rewards Credit Card
If you are considering the YES Prosperity Rewards 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: 4.1/5