YES Prosperity Edge Credit Card: A Smart Pick for Rewarding Lifestyle
If you’re looking for a credit card that gives you value beyond everyday spending, the YES Prosperity Edge Credit Card might just be what you need. It’s a thoughtfully designed credit card by YES Bank that blends travel perks, rewards, and essential lifestyle features — all without charging sky-high fees.
✅ Why Choose YES Prosperity Edge Credit Card?
- 🎁 Welcome Bonus: Earn reward points when you activate your card.
- 💳 Earn While You Spend: Collect 4 reward points for every ₹200 spent on regular purchases.
- 🛫 Lounge Privileges: Free access to select domestic airport lounges every quarter.
- ⛽ Fuel Benefits: Waiver of 1% fuel surcharge at petrol stations across India.
- 🧾 EMI Facility: Turn high-value transactions into manageable monthly installments.
- 🔐 Enhanced Security: Comes with chip and PIN tech plus zero liability in case of card loss (post-reporting).
💡 What Makes This Card Stand Out?
🎯 Reward Earning
With every ₹200 spent on your card, you earn 4 reward points. These points can be used to redeem for various categories like flight bookings, gift items, gadgets, and more.
✈️ Travel Comfort
You get two free entries to domestic airport lounges per quarter, making your travel experience a bit more premium.
⛽ Fuel Surcharge Relief
Enjoy a 1% waiver on fuel surcharge for spends ranging from ₹400 to ₹5,000. Maximum waiver allowed is ₹250 per month.
💸 Flexible EMI Options
Made a large purchase? Convert any eligible transaction above ₹2,500 into EMIs through internet banking or the mobile app.
🛡️ Zero Liability Guarantee
If your card is lost or stolen and you report it immediately, you’re not held responsible for any unauthorized transactions made thereafter.
💰 Fees & Charges Breakdown
| Charge Type | Details |
|---|---|
| Joining Fee | ₹399 + GST |
| Annual Renewal Fee | ₹399 + GST (Free if ₹75,000 spent annually) |
| Interest Rate | 3.5% per month (Annualized: 42%) |
| Foreign Transaction Fee | 3.5% of the amount |
| Late Payment Penalty | Ranges from ₹100 to ₹1,300 |
✅ Eligibility Requirements
- Age: 21–60 years (salaried), up to 65 years (self-employed)
- Monthly Income: ₹35,000 or more (for salaried individuals)
- Credit Score: Ideally 700 or above
- Location: Issuance depends on whether your city is covered by YES Bank
🗂️ Documents You’ll Need
- PAN Card
- Aadhaar or another valid ID/address proof
- Income proof (latest salary slip or ITR)
- One passport-size photo
- Recent bank statements (last 3 months)
❓ 20 Most Asked Questions (FAQs)
1. How much is the joining fee for this card?
The one-time joining fee is ₹399 plus taxes.
2. Can I get the annual fee waived?
Yes, by spending ₹75,000 or more in a year, your renewal fee is waived.
3. How many reward points do I earn?
You earn 4 points for every ₹200 spent on most purchases.
4. What can I redeem my reward points for?
Points can be exchanged for flights, hotel stays, electronics, shopping vouchers, and more.
5. Is complimentary lounge access included?
Yes, you get 2 free domestic airport lounge visits each calendar quarter.
6. Do I get any fuel-related benefits?
Yes, you enjoy a 1% fuel surcharge waiver (within set transaction limits).
7. Can I use this card for foreign purchases?
Yes, it is globally accepted. A markup fee of 3.5% applies for international transactions.
8. Are EMI options available on this card?
Yes, transactions over ₹2,500 can be converted into easy EMIs.
9. Where can I apply for this card?
You can apply online at YES Bank’s official website or visit a branch.
10. How can I check my reward points?
Log in via YES Bank NetBanking or the YES Mobile app to track and redeem points.
11. Does this card offer cashback?
No, this card provides reward points, not direct cashback.
12. What’s the interest rate for overdue balances?
3.5% monthly, translating to an annual rate of 42%.
13. What happens if I miss a payment?
Late fees range from ₹100 to ₹1,300 based on the unpaid balance.
14. Can I request an add-on card?
Yes, you can request supplementary cards for family members aged 18 or older.
15. Will my credit limit increase automatically?
It may increase over time based on your payment history and usage pattern.
16. What should I do if I lose my card?
Report it immediately to YES Bank to prevent misuse. You won’t be liable for transactions post-reporting.
17. Can self-employed individuals apply?
Yes, self-employed applicants can apply with proper income documentation.
18. What if my application is declined?
If declined, check your credit report and reapply after resolving the issue.
19. Can I control how much I spend per day?
Yes, you can set daily or transaction-wise limits via the YES Bank app or portal.
20. How do I redeem my earned points?
Visit the YES Rewardz portal or mobile app, log in, and choose from the available redemption options.
🔚 Final Words
The YES Prosperity Edge Credit Card is a well-rounded option for individuals who want to enjoy extra benefits without paying a premium fee. With reward points, travel perks, and fuel benefits, it’s perfect for salaried professionals, freelancers, or business owners looking to make the most out of their everyday spending.
