Key Details
₹5.0L
Min Income (Annual)
Rewards
3X on fuel, grocery, dining; 1X on others (~0.5% base)
Best For
Fuel, grocery, and dining combined
Lounge Access
2 domestic lounge visits per quarter
Fuel Surcharge Waiver
1% on ₹400-5000 transactions
Crediya's Verdict
YES Prosperity Edge covers the three categories most Indians spend on daily: fuel, grocery, and dining. The 3X on all three makes it a versatile everyday card. The elephant in the room is YES Bank's reputation post the 2020 crisis — though the bank has stabilized, some users remain wary. If you can look past that, the value proposition is solid.
Pros
✓ 3X rewards on fuel + grocery + dining
✓ Decent reward rate across everyday categories
✓ Fuel surcharge waiver
✓ Lower fee than most multi-category cards
✓ Airport lounge access (2/quarter)
Cons
✗ YES Bank stability concerns (post-2020 crisis)
✗ Base reward rate only ~0.5%
✗ Rewards redemption options limited
✗ Customer service can be slow
Hidden Fees & Charges
⚠ Annual fee ₹1999 (waived on ₹3L spend)
⚠ Late payment: ₹500-1100
⚠ Forex markup: 3.5%
⚠ Cash advance: 2.5% (min ₹500)
⚠ Reward points expire in 2 years