YES SELECT Credit Card

 Following are the key highlights of YES Bank Prosperity Edge credit cards:

Following are the main features and benefits of YES SELECT credit card:

Rewards

• Accelerated reward points on select transactions on YESCART.
• 2 reward points on spending each Rs. 200 on Select categories.
• 4 reward points on spending each Rs. 200 on all other categories.
• 5X reward points on your first 3 transactions of the biller registered on YES PayNow (offer valid only on the first 5 registered billers). 
• 15,000 bonus reward points on spending Rs. 6 Lakhs or above in each anniversary year.

Complimentary Golf Program

• 4 complimentary rounds of green fees each calendar year at select Golf courses in India.
• 1 complimentary Golf Lesson each calendar month at select golf courses in India.

International and Domestic Lounge Program

• Domestic: 1 complimentary visit to domestic airport lounge in India per calendar quarter only for Primary Cardmember. 
• International: Complimentary Priority Pass Membership for International Lounge Program is available on request for cards issued on Mastercard for Primary Cardmember. For cards issued on VISA, cardholders can present their Visa branded YES BANK Credit Card to access lounges abroad displaying the LoungeKey logo. 
• US $27+GST lounge access charges applicable on lounge access at international airports for cardmembers. 
• For each guest visit, a charge of US $27+GST will be applicable.

Insurance Cover

• YES Prosperity Edge credit card benefits include a Credit Shield Cover in case of accidental demise of primary cardholder.
• Life Insurance Cover of Rs 50 Lakhs for death because of air accident.
• Medical Insurance Cover of Rs. 15 Lakhs for emergency hospitalization during travelling overseas.
• Card Protection Plan (CPP) for card loss, theft, fraud, and emergencies. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver across India at all fuel stations for transaction between Rs. 400 to Rs. 5,000.

Secure Transactions

• Your online transactions are secured with MasterCard SecureCode or Verified by VISA.

Instant EMI

• Convert transactions of Rs. 2,500 or above into EMIs and earn rewards points.
• Zero documentation is required. 
• Interest rates vary from 12% to 15% p.a. 
• No processing fee is involved.
• Repayment options vary from 3 to 24 months.

• Joining fee: Rs. 399 + GST. Waived on spending Rs. 15,000 on retail within 90 days of card set up.
• Annual fee: Rs. 399 + GST. Waived on spending Rs. 75,000 on retail within 12 months prior to the renewal.
• Interest on revolving credit, cash advances & overdue amount: 3.5% p.m (42% p.a).
• Preferential foreign currency markup: 3%.
• Interest rate for Instant EMI: 12% p.a to 15% p.a.

Below are the Yes Bank Credit Card Eligibility Criteria for Prosperity edge:

• The applicant should be minimum 21 years to maximum 60 years of age.
• The applicant should be a salaried employee or self-employed individual.
• Minimum net monthly income required is Rs. 60,000 or Income Tax Return of Rs. 7.2 Lakhs & above.

You will need to submit the following documents for YES SELECT credit card:

• Duly filled and signed application form along with passport-size photographs.
• Identity proof: Passport/ PAN Card/ Ration Card/ Aadhaar card/ Voter’s ID card/ Driving license
• Address proof: Passport/ Telephone bill/ Electricity bill/ Voter ID card/ Ration card/ Aadhaar card
• Income proof for salaried: Recent salary slip and bank statements of last 6 months.
• Income proof for self-employed: Recent ITR, audited P&L statement, and balance sheet.

You can apply for the YES Prosperity Edge card online through YES Bank’s website or MyMoneyMantra with the following steps:

• Visit the bank’s website or MyMoneyMantra and check your eligibility for the card.
• Fill in the online form.
• Upload the required documents and submit your application.