YES Prosperity Edge (NRI)
CancelThe card YES renamed out from under its own page — it is SELECT now, at ₹599.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until YES Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
1 notes on the card itself: how it is issued
The take
This is not a card the bank stopped pricing. It is a card the bank RENAMED, and then left the old page standing. YES's MITC of 7 August 2026 says it in one line of its own Important Note — "Select was earlier known as YES Prosperity Edge" — and prices Select, Select for NRI and Select issued against FD together at ₹599 to take and ₹599 to renew, against the exact two waiver thresholds the old Prosperity Edge page published: ₹10,000 of spend in 30 days, ₹1 lakh in the anniversary year. The bank's live NRI SELECT page settles it beyond argument. Its fees block, updated on 16 April 2026, reads ₹599 and ₹599 — and the page is assembled out of THIS card's own content, down to a glossary item still filed under the name select_nri_glossary_yes_prosperity_edge_credit_card. Meanwhile the legacy Prosperity Edge NRI page still shows ₹399 from a charges block last touched in October 2022. So the fee here is ₹599, and two other numbers move with it: the interest rate is 2.49% a month (29.88% a year), not the 3.80% the zombie page quotes and not the 3.99% most of the shelf pays — Select for NRI sits in the MITC's FD-and-NRI rate tier — and the card does get domestic lounge access, gated on ₹50,000 of spend in the prior quarter. The earn rates stay off this desk: the only rewards block published under this name still anchors redemptions to InterMiles and Club Vistara, two programmes that were folded into Air India's Maharaja Club, and a rate whose redemption anchor no longer exists is not a number to multiply spend by.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
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 we cannot price either side 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
- ₹599 in year one, waived at ₹10,000 of spend in the first 30 days
- ₹599 to renew, waived at ₹1,00,000 in the anniversary year
- 2.49% a month — the MITC's NRI-and-FD interest tier, a point and a half under the 3.99% most YES cards pay
- Domestic lounge access once you spend ₹50,000 in the prior quarter
Watch out
- The bank still runs the old page: /nri/credit-cards/yes-prosperity-edge-credit-card-nri quotes ₹399 from a charges block last updated on 21-Oct-2022, and it is four years out of date
- The name on the plastic is SELECT now — apply under the old one and you may be quoted the old page's terms
- No earn rate is carried here: the rewards block published under this name anchors redemptions to InterMiles and Club Vistara, both since merged into Air India Maharaja Club
- The MITC and the product page disagree on utility spends — the MITC caps at ₹5,000 a transaction past ₹25,000 a month, the page says 1% past ₹15,000 a month capped ₹3,000 a month
- Rental transactions cost 1% or ₹199, whichever is higher, and are capped at five in any 30 days
- Fuel above ₹10,000 and tolls above ₹10,000 each carry 1% + GST
- Forex is 3.50% + GST since 15-Jun-2026 — it was 2.75% before that revision
What these points actually fly
YES Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹599 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. YES Bank states what the YES Prosperity Edge (NRI) earns, but has not published which spend categories count toward the fee waiver — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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.
THE ROW IS FILED UNDER THE CARD’S NEW NAME. The membership-fee grid has no Prosperity Edge line, which reads at first like silence; one page later the MITC’s own Important Note says “Select was earlier known as YES Prosperity Edge”, beside the same kind of line for Elite+ (ex-YES Premia) and ACE (ex-YES Prosperity Rewards Plus). The applicable row is “Select / Select for NRI / Select issued against FD” at ₹599 joining and ₹599 renewal, waived at ₹10,000 of spend within a month of card set-up and ₹1,00,000 in the 12 months before the anniversary — and those two thresholds are exactly what the superseded Prosperity Edge NRI page published, which is what makes the identification a match rather than a guess. Domestic lounge access is gated on ₹50,000 of prior-quarter spend; there is no international lounge feature. ONE CONFLICT LEFT ON THE RECORD: this MITC charges 1% + GST on utility spends past ₹25,000 in the previous calendar month, capped ₹5,000 a transaction, while the bank’s NRI SELECT page says 1% past ₹15,000 a month capped ₹3,000 a month. Neither number is the desk’s to reconcile, so both are written down.
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
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official The bank's live NRI SELECT page — ₹599 in year one and ₹599 to renew against the same ₹10,000 and ₹1,00,000 waivers, at 2.49% a month
- official The superseded page, kept on the record — it still quotes ₹399 from a charges block last updated in October 2022, four years before the fee this desk now carries
- official MITC (CMITC_V18_07082026) — it prices this card under its new name: "Select was earlier known as YES Prosperity Edge", and Select for NRI is ₹599 joining, ₹599 renewal