Following are the key highlights of YES Rewards credit card:

Following are the main features and benefits of YES Bank Reward Plus credit card:

Rewards

• Accelerated YES Bank credit card rewards points on select transactions on YESCART.
• 2 reward points on spending every Rs. 200 on Select categories.
• 4 reward points on spending every Rs. 200 on all categories other than Select categories.
• 5X YES Bank credit card reward points on initial 3 transactions of the biller registered on YES PayNow (offer valid only on the first 5 registered billers). 
• 12,000 bonus reward points on spending Rs. 3.6 Lakhs or above in each anniversary year.

Check other Yes Bank Credit Card Reward Points and Choose the best one for yourself.

Insurance Cover

• Credit Shield cover in case of accidental demise of primary cardholder.
• Card Protection Plan (CPP) for card loss, theft, fraud, and emergencies. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver across India at all fuel stations for transaction between Rs. 400 to Rs. 5,000.

Secure Transactions

• Your online transactions are secured with MasterCard SecureCode or Verified by VISA.

Instant EMI

• Convert your transactions of Rs. 2,500 or more into EMIs and earn rewards points.
• Zero documentation required 
• Interest rates range from 12% to 15% p.a and no processing fee is involved.
• Repayment options vary from 3 to 24 months.

Fees 

• Joining fee: Rs. 399 + GST. Reversed on spending Rs. 10,000 within 90 days of card set up.
• Annual fee: Rs. 399 + GST.  Reversed on spending Rs. 50,000 within 12 months prior to the renewal.

• Joining fee: Rs. 399 + GST. Reversed on spending Rs. 10,000 within 90 days of card set up.
• Annual fee: Rs. 399 + GST. YES Bank credit card annual charges can be reversed on spending Rs. 50,000 within 12 months prior to the renewal.
• Interest on revolving credit, cash advances & overdue amount: 3.5% p.m (42% p.a) for unsecured cards and 3% p.m (36% p.a) for credit cards against Fixed Deposit.
• Preferential foreign currency markup: 3.40%.
• Interest rate for Instant EMI: 12% p.a to 15% p.a.

Below are the YES Bank Credit Card Eligibility Criteria for Prosperity Rewards Plus:

• The applicant must be aged minimum 21 years to maximum 60 years to apply for YES Rewards Plus credit card.
• The applicant can be a salaried employee or self-employed individual.
• Minimum net monthly income requirement is Rs. 35,000 or Income Tax Return of Rs. 5 Lakhs & above.
• YES Prosperity Rewards Plus Credit Card can also be availed against Fixed Deposit of Rs. 30,000 and above.

You will need the following documents to apply for YES Bank prosperity credit card:

• Identity proof: PAN Card/ Passport/ Driving License/ Voter ID card/ Aadhar Card or Letter issued by UIDAI/ NREGA Card or Letter issued by NPR containing details of name and address.
• Address proof: Passport/ Driving License/ Voter ID Card/ Aadhar Card/ Letter issued by UIDAI/ NREGA Card.
• Signature proof: Passport/ PAN Card/ Driving License/ NREGA Card. 
• Income proof for salaried: Salary slip of last 2 months (not required if salary account is with Yes Bank), last 2 months’ credit card statement, and card face image.
• Income proof for self-employed: Last 1 year’s ITR, last 2 months’ credit card statement, and card face image.