YES PROSPERITY EDGE CREDIT CARD : Apply Online
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YES PROSPERITY EDGE CREDIT CARD

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YES PROSPERITY EDGE CREDIT CARD

YES Prosperity Edge Credit Card Features and Benefits

  • Fuel Surcharge Waiver: 1% Fuel surcharge waiver at all fuel stations across India for a transaction between INR 400 to INR 5000; total waiver in a statement cycle is capped at INR 250
  • Lifestyle Benefits: Great offers across travel/dining/shopping/wellness and more in select cities via YES Privileges
  • Lounge Program: Complimentary Priority Pass Membership for Primary Card-holder only. Complimentary Domestic Lounge access (limited to 2 visits per quarter) for Primary Card-holder across 30+ Lounges in India
  • MasterCard Golf Privileges: 4 complimentary rounds of green fees per calendar year at select Golf courses in India. One complimentary Golf Lesson every calendar month at select golf courses in India
  • Insurance Coverage:
    • Life Insurance Cover of INR 50 Lakhs for death due to air accident
    • Medical Insurance cover INR 15 Lakhs for emergency hospitalization when traveling overseas
    • Credit Shield cover in case of accidental death of Primary Card-holder

YES Prosperity Edge Credit Card Benefits

  • Edge Reward Points Program:
    • 8 Reward Points per INR 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends
    • 4 Reward Points per INR 200 on other categories
    • 500 Reward Points on each YES PayNow registration
  • Quick Loan: Get a Quick Loan (within the credit limit of your card) on your YES Prosperity Edge Credit Card for your immediate funds’ requirements
  • Annual Bonus Rewards: 15,000 Bonus Reward Points on achieving retail spends of INR 6 Lakhs or more in each anniversary year (12 months from the card setup date or card renewal date)
  • Card Protection Plan: Safeguard your YES Prosperity Edge Credit Card in the event of card loss, theft, any related fraud and emergencies with YES Bank’s Card Protection Plan (CPP)

Joining benefits:

  • Welcome Onboard with 1500 Reward Points on total spends of Rs 7500 within 30 days of card set up
  • Assured 1500 Reward Points on spends of INR 7,500 within first 30 days of card set-up date

Eligibility Criteria of YES Prosperity Edge Credit Card

Yes Prosperity Edge Credit Card can be yours if your salary is Rs 60,000 per month and you are in the age group of 21 to 60 years. 

  • Should be Salaried or Self Employed
  • Age between 21 years to 60 years
  • Should have a monthly income. For a salaried person, the minimum monthly salary should be INR 60,000 and for self-employed and business persons, the minimum annual ITR should be INR 7.2 lakhs.
  • Must have a good credit score. Generally, a credit score of 700+ is considered good.

Documents Required for YES Prosperity Edge Credit Card

Documents for Identity Proof

Any one of the following

  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • Ration Card

Documents for Address Proof

Any one of the following

  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity / Water bill (not more than 2 months old)

Documents for Income Proof

Any one of the following

  • Salary Slips – 3 months
  • Bank Statements – 3 months
  • Form 16 / ITR
  • Proof of business continuity for self-employed applicants

Additional Documents for NRI Applicants

All of the following

  • PAN Card
  • Form 16 / ITR

Other Documents

Recent Passport size colour photographs

 

Fees & Charges of YES Prosperity Edge Credit Card

Fee/Charge

Amount/Rate

Membership Charges

INR 1199+Taxes waived on total retail spends of INR 15000 within 90 days of card setup date

Annual Renewal Charges

INR 1199+Taxes waived on total retail spends of INR 75000 within 12 months prior to the card renewal date

Credit card finance charge

3.5% per month (42% annually)

Minimum amount due each month

5% of balance outstanding

Interest fee period

50 Days

Finance charge on cash advance

3.5% per month (42% annually)

Cash advance limit

30% of the credit limit

Cash advance fee - YES Bank, local ATMs

2.5% (minimum INR 300)

Cash advance fee - International ATMs

2.5% (minimum INR 300)

Over limit fee

2.5% of the over-limit amount or INR 500 whichever is higher

Foreign Currency Mark-up

3% on all international transactions

 

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