YES Prosperity Cashback Plus Credit Card
YES · MASTERCARD★ 3.9/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
5% on Utility Bills
5% cashback on utility bill payments (capped ₹1,000/month)
2% on Online Shopping
2% cashback on online shopping (capped ₹500/month)
Annual Fee Waiver
Fee of ₹1,499/yr fully waived when you spend ₹3,50,000/year
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
utility bills cashback
0.5%
Base rate (all other spends)
₹1,000
Monthly cap (accelerated)
- 5.0% cashback on utility bills
- 0.5% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,000/month
YES Prosperity Cashback Plus is YES Bank's entry cashback card — 5% on utility bills (electricity, mobile, insurance), 2% on online shopping, and 0.5% on everything else. Annual fee of ₹1,499 is waived at ₹3.5L annual spend. Best used as a dedicated utility payment card to maximise the 5% rate on bills that most cardholders pay anyway.
Who is this for?
First-time credit card users or those looking for a simple cashback card for bill payments. If your monthly utility bills (electricity + mobile + insurance premiums) exceed ₹2,500/month, the 5% rate delivers ₹1,500/year in cashback — covering the annual fee.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | cashback | 5% | ₹1,000 |
| Online Shopping | cashback | 2% | ₹500 |
| Groceries | cashback | 1% | ₹250 |
| Other | cashback | 0.50% | — |
Utility Bills: 5% cashback on utility bill payments (capped ₹1,000/month)
Online Shopping: 2% cashback on online shopping (capped ₹500/month)
Groceries: 1% cashback on grocery purchases
Other: 0.5% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: First-time credit card holders looking for simple cashback, Users paying ₹2,500+/month in utility bills (electricity + mobile + insurance), 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 Utility Bills (5% back).
Pros
- 5% cashback on utility bills — highest in its fee tier
- Straightforward cashback credited to statement — no portals or vouchers
- Annual fee waived at ₹3.5L annual spend
- Good starter card for building credit history with YES Bank
Cons
- Monthly caps limit total cashback earnings
- 0.5% base rate on non-utility spending is below average
- YES Bank has fewer co-brand partnerships than HDFC, SBI, or ICICI
Eligibility & documents
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
The concern
YES Bank has a smaller product ecosystem and fewer merchant offers versus HDFC, SBI, or ICICI. The 5% utility cashback has monthly caps that limit total earnings.
Bottomline
CardAdvisor Rating: 3.9 / 5YES Prosperity Cashback Plus does one thing well: utility bill cashback at 5%. Use it as a dedicated bill payment card and pair it with a stronger rewards card for other spending.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the YES Prosperity Cashback Plus Credit Card are taken from YES's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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