The Yes Bank Prosperity Edge Credit Card comes with an exceptional reward program along with a variety of beneficial features for the cardholders. It is one of the finest credit cards available in the market. It is best suited for those who look for reward points, bonus offers, fees waivers, etc. It brings around 15000 reward points on the spending.
Key Highlights of YES Prosperity Edge Credit Card
Card Type
Entry-level
Best Suited for
Reward Points
Joining Fee
INR 399+Taxes (waived off on spending INR 15,000 within 90 days)
Renewal Fee
INR 399+Taxes (waived off on spending 75,000 within 12 months before card renewal date)
Minimum Income
Net Salary INR60,000 p.m. or ITR>INR 7.2 lakh p.a.
Best Feature
15,000 bonus reward points on spending of INR 6 lakh or more in each anniversary year
Best Suited For
Shopping
Features of Yes Bank Prosperity Edge Credit Card
Mentioned below are some of the features of Yes Bank Prosperity Edge Credit Card:
International Lounge Program: Get access to international airports for MasterCard and Visa.
Domestic Lounge Program: 1 Complimentary visit within India per calendar quarter.
Fuel Surcharge Waiver: Get 1% surcharge waiver for transaction between INR 400 – INR 5,000
Complimentary Golf Program: Enjoy 4 green fee waivers per year and complimentary rounds of green fees per calendar year at Golf courses in India. Enjoy 1 Golf lesson per year every calendar month at select golf courses in India.
Dining Fiesta Program: Get a minimum 15% discount on dining at select restaurants on your YES Bank Credit Card.
Insurance Coverage: Air Accident cover of 50 Lakh, Medical emergency cover of 15 Lakh, Credit Shield cover of 3 Lac, Lost Card liability cover of 3 L
Reward Points: On every INR 200 on travel and dining spends(capped at 1500 Reward Points per statement cycle)
On every INR 200 on all categories( 2 RP on select categories)
Instant EMI: Pay in parts for your transactions as low as INR 1500.
EMI on Call: Convert payments into EMI with on-call service at attractive interest rates.
Quick Loan: Get a loan amount within the card limit to fulfill immediate fund requirements.
Yes PayNow: Pay your bills on time every month.
E-Mandate: Register standing instructions for your bill payments, subscriptions, insurance payments, and more.
Fees & Charges
Mentioned below are the fees to apply for the Yes Bank Prosperity Edge Credit Card:
Fee/Charge
Amount/Rate
Joining Fee
INR 399+ Taxes (waived off on spending INR 10,000 or more within 30 days of card activation)
Renewal Fee
INR 399+ Taxes (waived off on spending INR 1,00,000 within 1 year before the card renewal date)
Interest-free Period
Up to 50 days
Cash Withdrawal Limit
30% of the credit limit
Finance Charges/Cash Advance Fee
3.80% per month (45.6% annually) on Revolving Credit, Cash Advances and Overdue Amount
Overlimit Fee
2.5% of the over-limit amount (min. INR 500)
Foreign Exchange Mark-up
3.00%
Late Payment Charges
For balance- Below or equal to INR 100- Nil From INR 101 to INR 500- INR 150 From INR 501 to INR 5,000- INR 500 From INR 5,001 to INR 20,000- INR 750 Above INR 20,000- INR 1,000
Add-on Card Fee
Nil (up to 3 cards can be issued)
Payment Return Charges (Autopay/Cheques)
INR 350 per instance
How to Apply for Yes Bank Prosperity Edge Credit Card?
Mentioned below are the steps to apply for a Yes Bank Prosperity Edge Credit Card:
Step 1: Open the official website of Yes Bank.
Step 2: Click on “Credit Cards”.
Step 3: Search for Yes Bank Prosperity Edge Credit Card.
Step 4: Share basic details and check the eligibility for the card.
Step 5: Once verified, click on “Apply Now”.
Step 6: Complete your KYC.
How to check the Application Status of Yes Bank Prosperity Edge Credit Card?
Mentioned below are the different methods to check the yes bank
By Visiting Branch:
Visit any nearest branch and inquire about the application status of the credit card.
The bank executive will provide you with an update.
By Calling Customer Care:
Call 1800-103-6000 or 022-4935-0000 in the case of Indian and non-Indian applicants to check the application status of the credit card.
The customer care executive will provide you with an update.
Eligibility Criteria
Mentioned below are the eligibility criteria to apply for a Yes Bank Prosperity Edge Credit Card:
Criteria
Salaried Indian National
Self Employed Indian National
Age
Minimum Age: 21 YearsMaximum Age: 60 Years
Minimum Age: 21 YearsMaximum Age: 60 Years
Gross Monthly Income
INR 60000 per month
ITR of INR 7.2 lakhs per annum (as Per ITR)
Documents Required
Mentioned below is the list of documents required to apply for a Yes Bank Prosperity Edge Credit Card:
Title
Details
Proof of Identity
PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof
Proof of Address
Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof
Proof of Income
Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement
