Credit Cards · Honest Review

YES Bank ELITE+ Credit Card

Yes Bank · Visa

₹999Annual fee
3.00%Base rate
4Lounge visits/yr
2.75%Forex markup
₹120KMin income/mo
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Your Verdict

YES Bank ELITE+ Credit Card
Yes Bank · Visa
  • ✓12 reward points per 200 on online spends, 6 points per 200 offline
  • ✓1 complimentary domestic lounge visit per quarter
  • ✓2 complimentary international lounge visits/year via LoungeKey (Visa variant)
  • ✓Reward points redeemable for InterMiles and Club Vistara points (10:1)
  • ✓25% discount on BookMyShow movie tickets
₹999/yrAnnual fee
₹999
Annual fee
3.00%
Base reward rate
4/yr
Lounge access
Good
CIBIL score
Our verdict
A well-balanced rewards card for mid-to-high income earners, combining accelerated shopping rewards, modest lounge access, and air-mile redemption options at an affordable, easily waivable annual fee.
Fees & charges

What YES Bank ELITE+ Credit Card costs you

YES Bank ELITE+ Credit Card carries a ₹999 annual fee and a ₹999 one-time joining fee. The annual fee is waivable: Spend 1.5 lakh in a year.

FeeAmount
Annual fee (year 2+)₹999
Joining fee (one-time)₹999
Fee waiver conditionSpend 1.5 lakh in a year
Spend required for waiver₹1,50,000 / year
Foreign transaction fee (forex markup)2.75% per transaction
Rewards & cashback

What you earn on every rupee spent

YES Bank ELITE+ Credit Card earns 3.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.2 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)3.00%
🛒 Online Shopping6%
6%
Online Shopping
Welcome bonus

Annual fee waiver on 20,000 spend within 30 days of card activation

Reward types: Points · Miles · Lounge

Benefits & perks

Beyond the reward rate

The non-reward benefits on YES Bank ELITE+ Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 4 visits/year. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
🎬
Movie & entertainment offers
Discounts on movie tickets via BookMyShow or partner platforms. Check issuer terms for current offer.
Eligibility

Who can apply for YES Bank ELITE+ Credit Card

YES Bank ELITE+ Credit Card requires a minimum net monthly income of ₹1,20,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹1,20,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹1,20,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time

Minimum net monthly income of 1.2 lakh, or ITR of 14.4 lakh+. Alternatively eligible with a fixed deposit of at least 2 lakh with Yes Bank. Formerly known as YES Premia.

Verdict

Who should (and shouldn't) get YES Bank ELITE+ Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 6% back
  • → Frequent travelers who value airport lounge access
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Applicants with monthly income below ₹1,20,000
Frequently asked questions

YES Bank ELITE+ Credit Card — Questions answered

What is the annual fee for YES Bank ELITE+ Credit Card?
The annual fee is ₹999 from year 2 onwards, with a one-time joining fee of ₹999. The fee is waivable: Spend 1.5 lakh in a year.
What is the minimum income required for YES Bank ELITE+ Credit Card?
Salaried applicants need a minimum net monthly income of ₹1,20,000. Self-employed applicants typically need equivalent annual income proof. Minimum net monthly income of 1.2 lakh, or ITR of 14.4 lakh+. Alternatively eligible with a fixed deposit of at least 2 lakh with Yes Bank. Formerly known as YES Premia.
What is the reward rate on YES Bank ELITE+ Credit Card for online shopping?
YES Bank ELITE+ Credit Card earns 6% on online shopping with no monthly cap. On all other spends, the base reward rate is 3.00%.
Does YES Bank ELITE+ Credit Card provide airport lounge access?
Yes — YES Bank ELITE+ Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 4 complimentary visits per year.
How do I get the annual fee waived on YES Bank ELITE+ Credit Card?
The annual fee on YES Bank ELITE+ Credit Card is automatically waived when you meet the spend threshold: Spend 1.5 lakh in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get YES Bank ELITE+ Credit Card approved?
Most applications for YES Bank ELITE+ Credit Card are processed within . Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.