YES Prosperity Cashback
CancelA five percent card whose five percent is worth ₹2,400 a year.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹17,000 a month
At ₹17,000 a month — ₹2,04,000 a year — on the everyday mix this card returns ₹1,000 gross (earn ₹1,000) against its ₹999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
1 notes on the card itself: how it is issued
The take
Read the cap before the headline. YES advertises 5% cashback on movies, groceries and auto-paid utility bills; footnotes (c) and (d) cap each of those rungs at ₹100 a statement cycle. That is ₹200 a month and ₹2,400 a year, against a ₹999 fee the MITC says has no spend waiver at either end — "Not Applicable" in both waiver columns. The 5% is a coupon, not a rate. Everything else earns 0.50%, fuel earns nothing, utilities are additionally capped at ₹750 a cycle and stop earning altogether above ₹15,000 of utility spend in a cycle, and the movie rung only pays 5% on tickets above ₹500. To beat the fee on the base rate alone you would have to put roughly ₹2 lakh a year through the card and take nothing else from it. The Cashback Plus tier above pays 0.75% for ₹1,499 and caps the same rungs identically, so the choice between them is arithmetic on your own base spend rather than on the number in the advertisement.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹999/yr
Break-even ₹17,000 a month — ₹2,04,000 a year — is where this card's value crosses its fee.
At your spend
₹500 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,000 a year, net of the fee, at ₹6,00,000 of annual spend
₹5,000 a year, net of the fee, at ₹12,00,000 of annual spend
₹17,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹29,000 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
YES Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 15 Jun 2026 YES's ₹100 redemption fee reaches Marquee and Reserv issuer-wide
- 15 Jun 2026 YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step issuer-wide
- 1 Apr 2025 YES lounge gate triples to ₹1 lakh on Marquee and Reserv issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 5% cashback on movies and groceries above ₹500 a transaction, and on utility bills paid by standing instruction
- 0.50% on everything else except fuel, credited as rupees rather than points
Watch out
- Each 5% rung caps at ₹100 a statement cycle — ₹2,400 a year is the most the headline can pay
- The MITC prints Not Applicable in both waiver columns: ₹999 every year whatever you spend
- Utility cashback caps at ₹750 a cycle and stops entirely above ₹15,000 of utility spend in a cycle
- The 5% movie and grocery rung needs a transaction above ₹500; below that it pays 0.50%
- The 5% utility rung needs a standing instruction for auto-payment on the card
- Fuel earns nothing at all
- Forex is 3.50% since 15-Jun-2026, plus 1% dynamic currency conversion
- No lounge access — absent from the MITC's domestic lounge threshold table
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
YES Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official YES Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining and annual membership fee both ₹999 + GST, and the grid reads “Not Applicable” in BOTH waiver columns — there is no spend that gets you out of either charge, which is unusual on this shelf and the single most important line in the row. The forex markup rose from 3.40% to 3.50% on 15-Jun-2026. Utility spends attract 1% + GST past ₹25,000 in the previous calendar month, capped ₹5,000 a transaction. Absent from the domestic-lounge threshold table.
per the official YES Bank MITC · reviewed 10 Jul 2026
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Jun 2026YES's ₹100 redemption fee reaches Marquee and ReservMarquee and Reserv exempt from the ₹100-per-redemption fee; card reissuance ₹100–₹200 by variant → ₹100 fee on every redemption request, premium cards included, plus a ₹99 booking fee on YES Rewardz flights; reissuance ₹199; fuel-surcharge waiver window revised
The exemption that let Marquee and Reserv holders pretend the ₹100 redemption fee was someone else's problem is gone. From 15 June 2026 every YES card pays ₹100 per redemption request, and booking a flight through YES Rewardz — the only place the points are worth their ₹0.25 — stacks a ₹99 booking fee on top. On a card whose whole pitch is settling 4.5% online earnings in portal travel, YES now charges you twice at the exit.
- 15 Jun 2026YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step
- 15 Jun 2026Reserv's forex markup goes 1.75% to 2%
- 1 Apr 2025YES lounge gate triples to ₹1 lakh on Marquee and Reserv
- 1 Apr 2025Government and ad spends stop earning on 13 YES cards
- 1 Dec 2024YES caps travel redemptions at 70% of the invoice
- 15 Dec 2023YES returns to super-premium with the Marquee
Every YES Bank change we've dated → 7 events since 2023, 6 of them nerfs — worst year 2026.
Verified against YES Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Product page — 5% cashback on movies, grocery and auto-paid utility bills, each capped at ₹100 a statement cycle; 0.50% on all other spends except fuel; ₹999 first-year and renewal membership fee
- official MITC (CMITC_V18_07082026) — YES Prosperity Cashback at ₹999/₹999 with Not Applicable in both waiver columns; forex 3.50% from 15-Jun-2026