Yes Bank First Reserv Credit Card vs YES Prosperity Cashback Credit Card
Joining Fees
₹1,999
₹999
Editor's Rating
3.9
5
Key Features
- Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
- Get up to 1.75% markup on foreign currency
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Credit Shield cover of 15 Lakh
- Lost Card liability 15 Lakh to 30 Lakh
- 1% fuel surcharge waiver between Rs 400 and Rs 5000
- Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
- 3 complimentary domestic airport lounge visits per quarter
- Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
- Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
- Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
- Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
- Avail 6 YES Rewardz Points on every Rs. 200 on select categories
- Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
- Instant EMI: Pay in parts for transactions as low as Rs. 1500
- Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
- Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
- Contactless Transactions
- 5% Cashback on Movie Ticket bookings, Grocery Shopping, 0.50% Cashback on all Other retails spends, & 5% Cashback on Bill Payments
- Avail great offers across travel, dining, shopping, wellness and more, in select cities
- Instant EMI
- Earn rewards points on your transactions that are converted into EMIs
Editor's Review
Pros
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Get up to 1.75% markup on foreign currency
Cons
- No railway lounge access
- No cashback offers
- Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit
Pros
- Preferential Foreign Currency Markup of 3.40% only
- 1% Fuel surcharge waiver at all fuel stations across India for transaction between Rs. 400 to Rs. 5,000
- Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES
Cons
- No complimentary Airport Lounge access
- No Golf/coaching sessions
- High-interest rate
