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▾YES Bank Prosperity Rewards / Prosperity Rewards Plus (Both Renamed/Discontinued)
- YES Prosperity Rewards Plus — this card has been renamed to YES Bank ACE Credit Card. See the current product at arunps.com/yes-bank-ace-credit-card (issuer page yes.bank.in/.../ace-credit-card explicitly states “ACE was previously known as YES PROSPERITY REWARDS PLUS”).
- YES Prosperity Rewards (without Plus) — per the current YES BANK product page (verified Apr 2026): “Issuance of YES Prosperity Rewards Credit Card for new customers has been discontinued. For existing cardholders, new card will be issued on card expiry.” The card earned 1 RP per ₹200 on Select categories and 2 RP per ₹200 on all other categories, plus a fuel surcharge waiver.
Best for: Reference only — new applicants should look at YES ACE (renamed Prosperity Rewards Plus), YES SELECT (renamed Prosperity Edge), YES Wellness Plus, or YES BYOC instead.
- 24 RP per ₹200 (12% headline) on online spends
- 4 domestic lounge visits a year
- Low ₹399 fee
- Wide category: includes grocery apps and travel portals
- Fuel surcharge waiver
- Redemption value low at ₹0.15-0.25 per point (effective 2-3% online cashback)
- 3.5% forex
- Offline earn modest
- Catalogue redemption limited
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹399 + GST |
| Renewal fee | ₹399 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Earn 24 reward points per ₹200 (0.24 RPM × ₹200 = 48 points headline? No — 24 RP) on online retail. Offline earn is 6 RP per ₹200. Redemption at ₹0.20 per point gives 2.4% online / 0.6% offline cashback.
Key benefits
- 4 domestic lounge visits/year (DreamFolks)
- 1% fuel surcharge waiver
- Welcome ₹500 Amazon voucher on fee payment
- Annual fee waived at ₹1L spend
- Interest-free credit up to 50 days
Who the Yes Bank Prosperity Rewards Plus is for
Online shoppers doing ₹15-25K/month on e-commerce. At this volume the 2.4% online cashback easily clears the ₹399 fee.
Final verdict
A quietly strong online-rewards card at a very low fee. Competitive with Axis Flipkart (better offline rates) and SBI SimplyCLICK (similar online focus). Worth holding as secondary online-spends card.
FAQ
Does the 12× apply to all online portals?
Applies to most e-commerce and grocery apps. BillPay, utility and wallet loads fall into offline/capped category.
What is redemption value?
₹0.20-0.25 per point for statement credit / Amazon vouchers. Catalogue products sometimes offer ₹1/point equivalent on select items.
How does it compare with Axis Flipkart?
Flipkart Axis gives 5% direct cashback on Flipkart + Myntra + Swiggy. Yes Prosperity gives 2.4% across ALL online portals. If you shop broadly online, Yes wins; if you're a Flipkart loyalist, Axis wins.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.