YES Bank ELITE+ Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank ELITE+ Credit Card is a mid credit card from YES Bank, with a joining fee of ₹999 + GST.
It earns up to 12 pts per ₹200 (≈1.1% value) on online shopping spends in the form of yes rewardz points (points).
YES Bank ELITE+ Credit Card
- Joining Fee₹999
- Annual Fee₹999
- Best Suited ForEveryday spends
- Reward TypeYES Rewardz Points (points)
Rewards Rate
- 12 pts per ₹200 on online shopping
- 6 pts per ₹200 on offline shopping
- Base 0.36% on other spends
Welcome Benefits
- Not applicable
YESworldmidRewards and Benefits
Rewards Rate
12 pts per ₹200 on online shopping
6 pts per ₹200 on offline shopping
Base 0.36% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- mid card issued by YES Bank.
- Joining / annual fee of ₹999 + GST, waived on annual spends of ₹2,00,000.
- Available on the Mastercard network.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 12 pts per ₹200 on online shopping12 YES Rewardz per ₹200 on online shopping (except Select categories).
- 6 pts per ₹200 on offline shopping6 YES Rewardz per ₹200 on offline shopping; 4 per ₹200 on Select categories (base).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- government
- education
- jewellery
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹9,00,000 p.a.