What is the annual fee of the YES Prosperity Rewards Credit Card?

Rs 399 a year, before GST. It is waived if you spend Rs 25,000 in a year.

Does the YES Prosperity Rewards Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the YES Prosperity Rewards Credit Card?

3.5% of each foreign-currency transaction, before GST.

M16S / Yes Bank / YES Prosperity Rewards Credit Card

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YES Prosperity Rewards Credit Card

Yes BankLast checked 11 Oct 2026closed to new applicants fees only

The YES Prosperity Rewards Credit Card costs Rs 399 a year, waived if you spend Rs 25,000 in a year. The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 399+ GST
Fee waived at: Rs 25,000annual spend
Base return: —
Forex markup: 3.5%
Interest: 3.99%a month

Fees

Annual fee	Rs 399
Annual spend that waives the fee	Rs 25,000
Fee notes	No longer sourced (MITC). Annual Rs 399 waived on Rs 25,000 spend in 12 months.

Rewards

Reward currency	YES Rewardz points
Point valueunverified	Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Caps	MITC: utility earn capped at 150 points per cycle.
Points expiry	3 years from earning
Reward notes	Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the MITC itself only fixes the caps. Current earn rate not found.

Transfers

Partners	Air India Maharaja Club
Ratio	10 points : 1 Maharaja Point (Air India page; one aggregator shows 15:1); minimum balance 2,000 points

Travel and perks

Domestic lounge	None found
Forex markupunverified	3.5%
Fuel surcharge waiver	1% on Rs 500-3,000 transactions, cap Rs 100 per statement

Charges and eligibility

Interest per month	3.99%
Late payment fee	Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee	2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Fine-print notes	MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (3.40%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (3.4% then 3.5%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.

Questions

What is the annual fee of the YES Prosperity Rewards Credit Card?: Rs 399 a year, before GST. It is waived if you spend Rs 25,000 in a year.
Does the YES Prosperity Rewards Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the YES Prosperity Rewards Credit Card?: 3.5% of each foreign-currency transaction, before GST.