Yes Bank Prosperity Edge: Best RuPay Rewards Card for 2025

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Card Fees

₹399/-

Joining Fees

₹399/-

Annual Fees

2.75%

Foreign Transaction Fee

43.2%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

60,000

Minimum monthly income

750

Minimum Credit Score

Category

,

Minimum Credit Score Required

750

Annual Charges

₹399/-

Features

  • Reward Points on All Spends
  • Fuel Surcharge Waiver
  • RuPay Offers & Benefits

Welcome Offer

  • Get Bonus Reward Points
  • Exciting RuPay Deals Access
  • Cashback on First Transaction

The YES Bank SELECT Credit Card, formerly known as the YES Prosperity Edge Credit Card, is crafted to make your everyday expenses more rewarding. Whether you enjoy shopping, dining, or traveling, this card offers great benefits. It comes with exciting perks like reward points, free airport lounge access, and milestone bonuses, making it a valuable companion for anyone looking to maximize savings and privileges.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Earn Reward Points on Every Spend:
    1. Get 8 reward points for every ₹200 spent online.
    2. Earn 4 reward points for every ₹200 spent offline.
    3. Receive 2 reward points for every ₹200 spent on utilities and insurance.
  • Milestone Rewards:
    1. Spend ₹6 lakh or more annually and receive 15,000 bonus reward points.
  • Joining and Renewal Fee Waiver:
    1. Joining fee of ₹399 is waived if you spend ₹15,000 within the first 90 days.
    2. Renewal fee of ₹399 is waived if annual spending exceeds ₹75,000.
  • Complimentary Airport Lounge Access:
    1. Enjoy domestic lounge access to make your travels more comfortable.
  • Fuel Surcharge Waiver:

    1. Get 1% off on fuel surcharge for transactions between ₹400 to ₹5,000 at any fuel station.
  • Golf Privileges:
    1. Access complimentary golf sessions and coaching at select golf courses.
  • Comprehensive Insurance Coverage:
    1. Air accident cover up to ₹50 lakh.
    2. Overseas hospitalization cover up to ₹15 lakh.
    3. Credit shield cover for outstanding dues in case of accidental death.

Fees And Charges

Fee TypeAmount
Joining Fee₹399 + Taxes (Waived if spending ₹15,000 within 90 days)
Renewal Fee₹399 + Taxes (Waived if spending ₹75,000 annually)
Finance Charges3.99% per month (47.88% annually)
Late Payment FeeUp to ₹500: Nil; Above ₹500: ₹1,350 or 10% of the due amount
Cash Advance Fee2.5% of the withdrawn amount (Minimum ₹500)
Overlimit Fee2.5% of the exceeded limit
Foreign Currency Markup3.5% on international transactions

Pro and Cons:

Pros:

  • Great Reward System – Good returns on daily spends
  • RuPay Network Benefits – Extra deals & discounts
  • No Extra Charges on Fuel – Fuel surcharge waived

Cons:

  • No Lounge Access – Not ideal for travelers
  • Limited Premium Perks – Basic in nature
  • No International Usage Perks – Focused on domestic use

How To Apply

Applying is simple and can be done online or at a branch. Here’s how:

  1. Visit the YES Bank Website:
    • Go to the credit cards section and choose YES Bank SELECT Credit Card.
  2. Check Eligibility:
    • Enter your details to check if you qualify.
  3. Fill the Application Form:
    • Provide your personal, financial, and professional information.
  4. Submit Documents:
    • Upload identity proof, address proof, income documents, and a photograph.
  5. Approval and Dispatch:
    • After approval, the card will be sent to your registered address within a few days.

Additional Information

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  1. How do I redeem reward points?
    Redeem points via the YES Bank rewards portal for flights, hotel bookings, vouchers, and more.
  2. Is there a limit on earning reward points?
    No, you can earn unlimited reward points.
  3. Can I use the card internationally?
    Yes, but a 3.5% forex fee applies to international purchases.
  4. What if my card is lost or stolen?
    Immediately contact YES Bank to block the card.
  5. How can I pay my bill?
    Pay via net banking, NEFT, or by visiting a branch.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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