If you hold this card: You keep the card and its cashback, with a renewal issued on expiry — there is no forced conversion. Only new applications are closed.
YES Bank closed the Prosperity Cashback Plus to new customers in its 2024–25 portfolio consolidation. No direct successor was named; the refreshed YES lineup (ELITE+ and the remaining rewards cards) are the nearest current options.
In-depth review
YES Prosperity Cashback Plus Credit Card
Does one thing well and doesn't pretend otherwise — 5% cashback on utility bills paid by auto-pay standing instruction (capped ₹100 a cycle), a useful rate for a category most cards exclude or cap harshly. A focused bill-payment tool for the household with regular electricity, water, gas and broadband bills. Everything else is minor; pair it with a stronger card for general spend and accept the usual YES Bank trade-offs.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
5% on Groceries
5% on grocery and movies (capped ₹100/cycle)
5% cashback at named utility bills merchants
5% only with an auto-pay standing instruction registered with YES Bank, capped ₹100/cycle; without auto-pay, utilities earn the 0.75% base capped ₹750/cycle; no cashback at all once utility spends cross ₹15,000 in a cycle
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
grocery cashback
0.8%
Base rate (all other spends)
₹100
Monthly cap (accelerated)
- 5.0% cashback on grocery
- 0.8% on all other spends — no restrictions
- Accelerated cashback capped at ₹100/month
For existing holders with regular utility bills who pay them by auto-pay standing instruction for the 5% (capped ₹100/cycle). Pair it with a stronger card for general spend — new applicants cannot get it, as YES Bank has closed the card to new customers.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | cashback | 5% | ₹100 |
| Utility Billsonly at Utility bills paid via an auto-pay standing instruction registered with YES Bank | cashback | 5% | ₹100 |
| Other | cashback | 0.75% | — |
Groceries: 5% on grocery and movies (capped ₹100/cycle)
Utility Bills: 5% only with an auto-pay standing instruction registered with YES Bank, capped ₹100/cycle; without auto-pay, utilities earn the 0.75% base capped ₹750/cycle; no cashback at all once utility spends cross ₹15,000 in a cycle · Utility bills paid via an auto-pay standing instruction registered with YES Bank
Other: 0.75% cashback on all other spends except fuel
Earns nothing on: Fuel · Rent · Wallet Loads · Government & Tax · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹600/yr in total.
1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 a month; no waiver on UPI fuel transactions
Should you get it?
- Best for: Existing holders wanting simple statement-credit cashback, Users paying ₹2,000+/month in utility bills by auto-pay (fills the ₹100/cycle cap), YES Bank account holders wanting a basic rewards card
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Groceries (5% back).
Pros & cons
✓ Pros
- 5% cashback on utility bills on auto-pay — highest in its fee tier
- Straightforward cashback credited to statement — no portals or vouchers
- Existing holders keep the card — a renewal is issued on expiry
✕ Cons
- Monthly caps limit total cashback earnings — utility 5% capped ₹100/cycle, and utility spends over ₹15,000 a cycle earn no cashback at all
- The utility 5% needs an auto-pay standing instruction registered with YES Bank — manual bill payments earn only the 0.75% base (capped ₹750/cycle)
- Annual fee of ₹1,499 is NOT waivable on spend (per YES Bank MITC)
- YES Bank levies a 1% + GST transaction fee on utility spends once they cross ₹25,000 in the previous month, and on individual fuel transactions above ₹10,000
- 0.75% base rate on non-utility spending is below average
- YES Bank has fewer co-brand partnerships than HDFC, SBI, or ICICI
Eligibility & documents
This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
It is a single-purpose utility card — the 5% needs an auto-pay standing instruction and caps at ₹100/cycle (utility spends over ₹15,000 a cycle earn nothing), the base is 0.75%, and YES Bank has closed the Prosperity series to new customers — a reference for existing holders, and do not expect value beyond bill payments.
Frequently asked questions
How has the YES Prosperity Cashback Plus Credit Card changed over time?
Has the YES Prosperity Cashback Plus Credit Card been devalued recently?
When did the YES Prosperity Cashback Plus Credit Card's fees last change?
The bottom line
A focused bill-payment tool: 5% on utilities via an auto-pay standing instruction is a genuinely useful rate for a category most cards cap or exclude — though the ₹100/cycle cap, the 0.75%-capped-₹750 fallback without auto-pay and the no-cashback cutoff once utility spends cross ₹15,000 a cycle keep the ceiling modest, and the ₹1,499 fee is not waivable on spend. Everything else is minor — pair it with a stronger card for general spend. YES Bank has closed the Prosperity series to new customers, so this is a reference for existing holders.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the YES Prosperity Cashback Plus Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
YES Prosperity Cashback Plus Credit Card
Does one thing well and doesn't pretend otherwise — 5% cashback on utility bills paid by auto-pay standing instruction (capped ₹100 a cycle), a useful rate for a category most cards exclude or cap harshly. A focused bill-payment tool for the household with regular electricity, water, gas and broadband bills. Everything else is minor; pair it with a stronger card for general spend and accept the usual YES Bank trade-offs.
YES Prosperity Cashback Credit Card
Closed to new customers: YES Bank has discontinued issuance of the Prosperity Cashback (existing holders get a renewal on expiry), so this is a guide for holders. It was the ₹999 base of the Prosperity cashback line — 5% back on groceries, movies and utility bills, 0.5% elsewhere. The limits defined it: two separate ₹100-per-cycle caps (one for groceries and movies, one for auto-paid utilities), and per YES Bank's MITC the fee was never waivable on spend.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Forex markup raised to 3.50%; fuel-waiver band narrowed
3.40% forex; waiver on fuel transactions of ₹400–₹5,000→3.50% forex; waiver on ₹500–₹3,000 (cap ₹100/cycle unchanged; no waiver on UPI fuel)
Effective 15 June 2026 the foreign-currency markup on the Prosperity Cashback family rose from 3.40% to 3.50%, and the 1% fuel-surcharge waiver's qualifying band narrowed from ₹400–₹5,000 to ₹500–₹3,000 per the master MITC. The card's own page footnotes date the old figures. The ₹100-per-cycle waiver cap is unchanged, and UPI fuel transactions get no waiver.
Verification: YES Bank ↗ · Confidence: High
2024
- ▼ FeeEffective 1 Dec 2024
Finance charges raised to 3.99% per month
3.99%/month (47.88% p.a.)
YES Bank moved its mainstream card range to a 3.99% monthly finance charge (about 47.88% annualised) effective 1 December 2024; both Prosperity Cashback cards sit in the MITC's "Other Credit Cards" band, and their pages state the rate verbatim.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/yes-prosperity-cashback#value-timeline">YES Prosperity Cashback Plus Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).