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Yes Bank
YES Bank Prosperity Rewards Plus Credit Card Against FD
Visa
YES Bank Prosperity Rewards Plus Credit Card Against FD
The FD-secured route into YES Bank's Prosperity Rewards line: a fixed deposit of ₹30,000+ secures a credit limit without any income proof or credit-bureau check, letting new-to-credit customers earn everyday reward points while the FD itself keeps accruing interest.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Credit shield cover on accidental death of the primary cardholder
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3,000 at all fuel stations in India, capped per statement cycle
Benefits
- Credit limit of roughly 75-90% of a linked YES Bank fixed deposit of ₹30,000 or more
Pros
- + Low minimum FD threshold (₹30,000) compared to several secured-card peers
- + No credit score or income documentation required
- + Basic reward points on all spend, redeemable for cash credit
Cons
- − Credit limit is capped by the FD, unlike YES Bank's unsecured cards which scale with income
- − Card benefits are pared down relative to unsecured Prosperity/Premia variants
- − Non-payment triggers recovery directly from the pledged FD