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YES Prosperity Rewards Plus Credit Card
Yes Bank • Visa

YES Prosperity Rewards Plus Credit Card

Low-fee YES card offering straightforward rewards for regular spending.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹499Waived on INR 50,000 annual spends
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹290Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on INR 50,000 annual spends

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹50,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.0%
Online
1.0%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • YES Prosperity Rewards Plus Credit Card is best positioned as a shopping + online specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on shopping-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and online spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Yes Bank Reserv

Annual fee: ₹1999

Shared focus: Shopping+42 more lounge visits in current datasetHigher top earn rate (3.0%)
View Details
Step 2

Yes Bank Pop-Club Credit Card

Annual fee: ₹399

Shared focus: Shopping, RewardsHigher top earn rate (10.0%)Estimated +₹3,405/yr value
View Details
Step 3

YES First Preferred Credit Card

Annual fee: ₹999

Shared focus: Rewards, OnlineHigher product tier within same bankHigher top earn rate (1.5%)
View Details

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no stable card-level airport-row PDF source is currently configured for this YES Bank variant.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for YES Prosperity Rewards Plus Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No confirmed lounge spend unlock rule is listed in current verified PDF pipeline for this card.

Quarter / cycle rule

No confirmed quarter/cycle lounge rule is listed in current verified PDF pipeline for this card.

Guest access

Guest lounge access is not confirmed in current verified PDF pipeline for this card.

Priority Pass

Priority Pass is not confirmed in current verified PDF pipeline for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Low annual fee with easier waiver threshold
  • Simple reward structure across shopping and online categories
  • Entry-level YES card profile for practical users

Things to Consider

  • Limited premium or travel perks
  • Overall rewards are moderate
  • Value depends on issuer campaign offers

About YES Prosperity Rewards Plus Credit Card

YES Prosperity Rewards Plus Credit Card is a points card from Yes Bank, best for users wanting a budget-friendly yes rewards card. It is tagged under rewards, shopping, online categories in our database.

RewardsShoppingOnline

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Frequently asked questions

Is YES Prosperity Rewards Plus Credit Card lifetime free?

It has an annual fee of ₹499. Waived on INR 50,000 annual spends

What rewards does YES Prosperity Rewards Plus Credit Card offer?

Low-fee YES card offering straightforward rewards for regular spending.

Does YES Prosperity Rewards Plus Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider YES Prosperity Rewards Plus Credit Card?

Users wanting a budget-friendly YES rewards card

Where can I apply for YES Prosperity Rewards Plus Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.