Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#135 of 173 in credit

Yes Bank

Yes Bank Prosperity Credit Card

creditVisaentryProvisional score

A beginner card structured for shopping flexibility and milestone bonuses.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value7/100 · weight 65%

≈ 0.34% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.

Fee efficiency96/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹399 + 18% GST
= ₹471 total
Annual fee: ₹399 + 18% GST
= ₹471 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
groceries	points	0.75%(3 pts @ ₹0.25)	—	3 Reward points per Rs 200 on departmental stores
all_spends	points	0.25%(1 pts @ ₹0.25)	—	1 Reward point per Rs 200 spent loosely