YES BANK Prosperity Rewards Credit Card
2 RP/full ₹200 ordinary spend, both channels; conditional flight value, 2,000 RP minimum. Standard ₹499+GST membership charge; one annual flight-claim provision.
Try your spend →How this estimate works
Ordinary eligible base-only conditional flight-booking value. The current issuer page gives 2 reward points per full ₹200 on all categories except select categories, with the same rate online and offline. The model counts one eligible transaction repeated monthly for twelve months. No overall ordinary-earn cycle cap is published on this page; the stated 75-point cycle cap applies only to utility MCC 4900, not ordinary retail. Select categories earn 1 point per full ₹200 and are not scored. UPI and select or excluded routes including groceries, utilities, cable subscriptions, fuel, rent, wallets, government, advertising, insurance, education, railways, toll/ferry, jewellery, cash and EMI are omitted. The linked current redemption rules give ₹0.25 per point toward flights or hotels, not cash. A single annual flight claim needs at least 2,000 earned points and uses at most 1,00,000 points, the monthly redemption limit for Other Credit Cards. One ₹100+GST redemption charge and one ₹99+GST flight convenience charge are provisioned when worthwhile. Points cover at most 70% of a flight invoice; you pay the balance. With no invoice supplied, this is conditional on a large enough qualifying flight booking, not guaranteed savings or cashback. Cash and gift-voucher alternatives are ₹0.10 per point with a 50% available-points balance cap and are not scored. Points expire after 36 months. The estimate deducts one standard ₹499+18% GST membership charge; the issuer gives this fee in both the first and renewal years. The first-year waiver needs ₹10,000 total spend within one month of setup, and the renewal waiver needs ₹1,00,000 eligible retail spend in the preceding twelve months; neither is inferred from this repeated-spend scenario. Welcome, milestone, subscription, movie, lounge, fuel and other extras are omitted. Confirm actual eligible transactions and final booking charges.
The minimum matters
At ₹16,600 per month in either channel, twelve months earn 1,992 points: below the redemption minimum. At ₹16,800 per month, 2,016 points are worth ₹504 toward a qualifying flight; after ₹234.82 in claim charges and ₹588.82 membership fee, the conditional annual net is negative ₹319.64. Both channels have the same ordinary base rate. This is not cashback.
Issuer sources
Named card: ordinary earn, exclusions and fees · Linked current redemption rules
Checked 1 October 2026. Base earn only. Travel-only value, not cash. 70% invoice cap and monthly point cap apply; alternate cash/voucher 50% balance cap disclosed, not scored.