Yes Prosperity Rewards Plus Review (2026)
Yes Bank's grocery and entertainment card. 5x on BigBasket, Zepto, Netflix, and Hotstar at just 499/year with 4 lounge visits.
Last updated: 2026-04-25· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 1L in a year |
| Income Required | ₹4L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Yes Reward Points
Lounge Access
Our Review
The Prosperity Rewards Plus targets the two spending categories that every Indian household has: groceries and OTT subscriptions. The 5x on BigBasket, DMart, Zepto combined with 5x on Netflix, Hotstar, and Amazon Prime covers a significant chunk of monthly household spending. At 499/year (waived at just 1L), the economics work even for light spenders. The Yes Bank brand concern is the same as the FIRST Preferred — valid for deposits, less relevant for credit cards. If you're comfortable with Yes Bank, this is a solid grocery-focused secondary card. Pair it with the Axis ACE for bill payments and general spending for a strong 2-card setup under 1,000/year combined.
Pros & Cons
Pros
- + 5x on groceries and OTT — covers two major monthly spending categories
- + 4 lounge visits at 499/year is good value
- + Easy 1L fee waiver threshold
- + Decent 2x base rate on other spends
Cons
- - Yes Bank brand perception issues persist post-2020
- - Reward point redemption ecosystem is limited
- - 5x categories may change — Yes Bank has revised terms before
- - No international lounge access
Best For
Frequently Asked Questions
Is the Yes Prosperity Rewards Plus worth it in 2026?
It depends on your spending. The Yes Prosperity Rewards Plus costs ₹499/year (waiver: Spend 1L in a year). With an effective base return of 0.5%, you'd need to spend approximately ₹99,800 per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the Yes Prosperity Rewards Plus annual fee?
The Yes Prosperity Rewards Plus has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 1L in a year.
What is the minimum salary required for Yes Prosperity Rewards Plus?
The minimum annual income required for the Yes Prosperity Rewards Plus is ₹4L. However, if you have an existing banking relationship with Yes Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on Yes Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.