YES Prosperity Rewards Plus Credit Card (FD-Backed)
A secured credit card backed by a YES Bank Fixed Deposit starting from ₹50,000. It offers guaranteed approval with zero income documentation or credit checks, assigning up to 90% of the deposit balance as a revolving credit limit to help beginners and credit repairers build an established CIBIL score.
Why We Recommend The YES Prosperity Rewards Plus Credit Card (FD-Backed)
YES Bank’s secured workhorse for credit newcomers, granting guaranteed credit approval against a term deposit.
College students, freelancers, and first-time applicants needing guaranteed credit card approval with zero income proof.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES Prosperity Rewards Plus Credit Card (FD-Backed)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES Prosperity Rewards Plus Credit Card (FD-Backed)
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES Prosperity Rewards Plus Credit Card (FD-Backed)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES Prosperity Rewards Plus Credit Card (FD-Backed) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Issued instantly against a YES Bank Fixed Deposit of ₹50,000 or more.
Credit limit assigned up to 85%–90% of underlying Fixed Deposit balance.
Underlying Fixed Deposit continues to earn regular term deposit interest.
Pros & Cons of the YES Prosperity Rewards Plus Credit Card (FD-Backed)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- 100% approval rate for students, freelancers, and credit score repairers.
- Reliable mechanism to establish or rebuild a damaged CIBIL score.
- Reward points never expire and have zero redemption convenience fees.
Things to Consider (Cons)
- Requires locking liquidity in a ₹50,000 minimum YES Bank Fixed Deposit.
- Fixed deposit cannot be broken while the credit card is operational.
- No airport lounge privileges included.
Who Can Apply for the YES Prosperity Rewards Plus Credit Card (FD-Backed)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES Prosperity Rewards Plus Credit Card (FD-Backed)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from YES Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
YES ACE Credit Card
An approachable starter card designed for early-career professionals and students entering the formal credit system. It accelerates rewards on e-commerce transactions, carries no redemption fees on its reward points, and provides an accessible annual fee waiver threshold of just ₹50,000.
YES Bank BYOC (Build Your Own Card)
YES Bank BYOC introduces modular customization to credit cards. Spenders can configure their own product by choosing between reward points and direct monthly statement cashback, selecting preferred accelerated merchant packs (e.g., 10% on Swiggy or Uber), and picking custom card body designs.
YES ELITE+ Credit Card
A well-rounded mid-tier product designed for corporate executives, the YES ELITE+ Credit Card offers 12 domestic and 2 international Priority Pass airport lounge visits annually. It pairs up to ₹500 in monthly BookMyShow ticket discounts with a subsidized 2.50% foreign exchange markup.
Ready to Apply for the YES Prosperity Rewards Plus Credit Card (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.