YES PROSPERITY EDGE CREDIT CARD : Apply Online

YES PROSPERITY EDGE CREDIT CARD

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

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

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 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

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