ELITE+ Credit Card
A YES Rewardz points card: 12 points per ₹200 online, 6 per ₹200 offline and 4 per ₹200 on utility bills, up to 12,000 points a statement cycle (points worth ₹0.10 each as statement credit), with two domestic lounge visits a quarter on ₹50,000 of quarterly spend. Every figure below is copied from YES BANK’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹999 plus GST Fee schedule |
|---|---|
| Annual fee | ₹999 plus GST Fee schedule |
| Annual fee waiver | On ₹2,00,000 of spend in the year Fee schedule |
| GST on fees | 18% |
| Foreign-currency markup | 3% of the transaction, plus GST Product page |
| The joining fee is waived on ₹20,000 of retail spend within one month of card set-up. The 3% markup applies from 15 June 2026 (2.75% before). | |
| Reward redemption fee | ₹100 plus GST MITC |
Rewards
Reward points, ₹0.10 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Online shopping (except Select categories) | 12 points per ₹200 Terms | up to 12,000 points a statement cycle (shared) Terms |
| Select categories: utility bills and cable/streaming services (MCC 4900, 4899) | 4 points per ₹200 Terms | up to 300 points a statement cycle Terms |
| Offline shopping and other spends | 6 points per ₹200 Terms | up to 12,000 points a statement cycle (shared) Terms |
YES Rewardz points: ₹0.10 each as statement credit, ₹0.25 on flight and hotel bookings; redemption needs 2,000 points and costs ₹100 + GST per request.
Points are capped at 12,000 a statement cycle across all spends; utility spends earn at most 300 points a cycle. Online and offline rates exclude Select categories.
No rewards on
- Rent, wallet loads, fuel, government, insurance, education and railway spends (from 15 June 2026); also marketing/advertising, tolls, ferries, jewellery, cash and EMI conversions Terms
Benefits
- Lounges: 2 domestic lounge visits a calendar quarter for the primary cardholder, plus international lounge access — ₹50,000 of spend in the previous quarter (domestic visits only) Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹125 a statement cycle Product page
Also on this card
Quoted from YES BANK; not counted in the net value.
- International airport lounge access Product page
- 25% discount on movie tickets booked on District, capped at ₹250 a month Product page
- 4 green fee waivers and 1 golf lesson a month at select courses in India Product page
- Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online Product page
Eligibility
- Age 21 or above Product page
- Age 60 or below Product page
- Salaried or self-employed Product page
- Salaried: net salary of at least ₹1 lakh a month Product page
- Self-employed: income tax return of ₹9 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by YES BANK in the documents read
- a RuPay variant for UPI
- a welcome benefit
Where YES BANK’s documents differ, and what is used
- Foreign currency markup: the credit card listing feed still shows 2.75% for this card; the product page and the MITC (V18) give 3.00% from 15 June 2026. CardWise uses 3%.
The quotes behind the figures
40 figures, each copied from an official YES BANK document.
Show every quote and source
“First Year Membership Fee of INR 999 + Applicable Taxes, waived off on total retail spends of INR 20,000/- done within one month of card set up date”
“Renewal Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 2,00,000 in a year and get waiver on subsequent renewal fee”
“Goods and Services Tax (GST) 18% (Applicable on all fee and charges)”
“Preferential Foreign Currency Markup of 3.00% only”
“Statement Credit = ₹0.10”
“12 YES Rewardz Points a”
“On every INR 200 for Online b Shopping (except on Select categories)”
“Maximum Capping of Rewards Points per statement cycle 12000.”
“4 YES Rewardz Points a”
“On every INR 200 on Select c categories.”
“Capping of YES Rewardz Points earned on Utility Spends (MCC 4900) is 300 per statement cycle”
“Effective 15th June 2026: Valid on all retail transactions done on Merchant Category Codes (MCC) as defined by Mastercard and VISA as per the table below, referred to as Select Categories.”
“6 YES Rewardz Points a”
“On every INR 200 for Offline Shopping (except on Select categories)”
“Effective 15th June 2026:Valid on retail purchases only. Not applicable on Rent, Wallet and Fuel, Government, Marketing / Advertising category transactions, Cash withdrawals, Post Purchase EMI & Instant EMI transactions, Insurance, Education, Railways, Toll, Ferry & Jewellery.”
“Effective 15th June 2026, YES Rewardz Points will not be awarded on Rental, Wallet and Fuel, Government & Marketing / Advertising category transactions, Cash withdrawals, Post Purchase EMI & Instant EMI transactions, Insurance, Education, Railways, Toll, Ferry & Jewellery.”
“"button1" : "Apply for Credit Card"”
“ELITE + was previously known as YES PREMIA”
“Elite+ / Elite+ issued against FD INR 999 INR 999 INR 20,000/- INR 2,00,000”
“Elite+/ Elite+ (FD)/ YES Essence 2.75% 3.00%”
“Foreign Currency Markup applicable prior to 15th June 2026 is 2.75%”
“Secure online transactions with MasterCard® SecureCode”
“Other Credit Cards (Except Private, Marquee, Reserv)”
“1. A minimum of 2,000 Reward Points is required for redemption.”
“Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000”
“Effective 1st oct 2026, movie ticket offer will be available on District App or website. Offer valid only for Movie tickets(Discount is capped at INR 250 per calendar month.)”
“Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India”
“If you are already holding any YES BANK Credit Card, you are not eligible for this card.”
“A reward redemption fee of INR 100 + applicable GST is charged when customer initiates a redemption request for accumulated reward points.”
“2 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember”
“1% Fuel surcharge waiver at fuel stations across India for transaction between INR 500 to INR 4,000”
“Total waiver in statement cycle is capped at INR 125.”
“Access to airport lounges internationally for Mastercard and Visa cards”
“Avail 25% discount on movie tickets booked on District”
“Enjoy waiver of 4 Green Fee at select golf courses in India”
“Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online”
“21 to 60 years of age”
“Salaried or self employed”
“Minimum Net Salary of INR 1 lakhs per month or Income Tax Return of INR 9 Lakhs and above.”
“Apply for Credit Card Online”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with YES BANK or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. Methodology