One of the finest credit cards in the business, Prosperity Edge card brings to you around 15,000 reward points on your spends. The rewards program help you accumulate reward points, which can be redeemed against travel and movie tickets. If that is not enough, you also have an option to buy products on EMI using YES Prosperity Edge Credit Card. Check out all those in detail here.
Credit Card
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
YES Prosperity Edge Credit Card Rewards
Cardholders can get reward points not only at the time of joining and retail spends but also on events as big as a birthday.
- Get the assured 1500 reward points on spending ₹7,500 within 30 days of the card issuance date
- Earn 15,000 reward points on spending ₹6 lakhs in one anniversary year, which is defined as 12 months from the card set up or renewal date
- Every ₹100 spend on your birthday to earn you 6 reward points
- Every ₹100 spend on online transactions to give you 4 reward points
- Earn 5 reward points on every ₹100 spent on international transactions, be it at the e-commerce websites or POS outlets
- Earn 3 reward points on every ₹100 spent on all other retail transactions
- Earn 500 reward points on each YES PayNow registration, helping you pay all your utility bills. You can check the list of billers on the bank’s website.
Where Can You Redeem Reward Points?
The reward points earned can be redeemed at or for the following.
- Hotel/Flight/Movie ticket websites
- Exclusive catalogue of products
Reward Point Redemption Rate
1 reward point equals to ₹0.25. Reward points can also be converted into JPMiles. 4 reward points equal to 1 JPMile.
Travel Privileges
Cardholders can also avail exciting travel offers comprising the following.
Priority Pass Membership – The membership, which is worth US$99 at no extra charges, allows you to visit airport lounges. The visit is chargeable at US$27 per person. However, only primary cardholders are entitled to the privilege.
MasterCard Lounge Program – Primary cardholders can get 2 complimentary visits to select airport lounges in a quarter.
MasterCard World Golf Program – Get a green fee waiver at select golf courses across India. Also, the program features one complimentary golf session every calendar month. You can call on 1800 102 6263 to contact MasterCard Golf Concierge.
Vehicle Refill Privilege
Now refill your vehicle using Prosperity Edge card and get a surcharge waiver on all fuel transactions worth ₹400-5,000 across petrol pumps in India.
Instant EMI
You can buy a consumer durable, book travel packages and do stuff alike with the card and get all that converted into EMIs, which stand for equated monthly installments. You also get reward points on transactions converted into EMIs.
Fees & Charges
- Membership Fee for the First Year – ₹1,000, waived on spending ₹15,000 within 90 days of the card set up date
- Renewal Membership Fee – ₹1,000, waived on spending ₹75,000 within 12 months before the renewal
How to Apply for YES Prosperity Edge Credit Card at Wishfin?
Just visit the official website of Wishfin, an online marketplace for credit cards, loans and other financial products to apply for the card. As soon as you log in to the website, go to ‘Credit Cards’ and then to ‘Best Credit Cards’. Click on the latter to see an application form popping on the screen. Fill the relevant personal and occupational details before submitting the form. You would receive a call from Wishfin executives as soon as the application is submitted. The moment the details are verified successfully, you would get an approval for Prosperity Edge card.
Yes Prosperity Edge Credit Card Eligibility Criteria
- Both salaried and self-employed with a minimum and maximum of 21 and 60 years, respectively, can apply.
- Minimum net monthly salary should be ₹60,000 or the Income Tax Return (ITR) must be ₹7.20 lakh and above.
Yes Prosperity Edge Credit Card Customer Care
You can reach out to the 24×7 customer care executives by dialing 18001031212 and sort out queries on reward points, their redemption, any new offers and much more. The executives will be all ears to take your queries and resolve them fast.
Yes Prosperity Edge Credit Card Statement
Do glance at the credit card statement that you would get from Yes Bank on a monthly basis. The statement would detail on the transactions made in a billing cycle, the rewards earned, the levying of interest and taxes, if it’s the case, plus the due date, total dues, minimum due, etc. You can access the statement on your registered e-mail ID or via net banking.
