YES Prosperity Cashback Credit Card vs Stable Money Suryoday Bank Credit Card
Joining Fees
₹999
₹0
Editor's Rating
5
4.6
Key Features
- 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
Cashback Benefits
- Earning: 0.5% cashback on all card spends, including UPI transactions
- Capping: Cashback capped at Rs. 3,000 for every statement cycle
Airport Lounge Access
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
RuPay Benefits
- RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
- RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program
Insurance Coverage
- Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
- Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders
Fuel Benefit
- Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
- Enjoy exclusive discounts on the RuPay network
RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)
- RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
- RuPay Select Benefits are eligible to be redeemed only once in a year
Editor's Review
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
Pros
- Hassle-free cashback on all spends, including UPI transactions
- Lifetime free card with up to 8% interest on FD
- Up to 8 free domestic airport lounge visits every year
- Additional lifestyle benefits for RuPay Select cardholders
Cons
- Low value-back rate through cashback earnings
- High FD amount requirement for RuPay Select card variant benefits
- FD must remain until card closure
