For a card with an annual fee of Rs. 999, YES Elite+ offers a good accelerated earn-rate on online spends. However, the redemption value of YES Bank Rewardz Points is usually 0.25, which brings down the overall value to 1.5% for the accelerated category and 0.75 for base rewards on offline spends. YES Bank does offer a paid subscription plan at Rs. 2,500 per year that boosts rewards by up to 5X—potentially valuable for high spenders. However, paying Rs. 3,500 (annual fee + subscription plan) for 7.5% returns on online spends may not be that good a deal, especially when several other cards like Cashback SBI Card, HDFC Regalia Gold and Axis Select offer better reward rate at a relatively lower annual fee.
Yes Bank
YES Bank ELITE+ Credit Card
Lounge Access
Reward Points
Online Shopping
1st Year Fee: ₹999* Plus Applicable Taxes
Online Shopping
12 reward points per Rs. 200 spent online
Lounge Access
8 domestic lounge visits in a year
Movies
25% off on movie tickets booked via BookMyShow
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About YES Bank Elite+ Credit Card
YES Bank Elite+ Credit Card, previously known as YES Premia, is an all-rounder credit card offering benefits across online shopping, travel, golf and more. Available at an annual fee of Rs. 999, the card offers accelerated rewards on online shopping and also provides rewards on generally excluded categories like utilities, insurance, etc., although at a lower rate. With lounge access and lower forex mark-up fee, the card covers travel category and benefits on movies and golf make it a decent pick for lifestyle spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit YES Bank’s website.
YES Bank Elite+ Rewards Structure
Reward Earning
- 12 YES Rewardz Points for every Rs. 200 spent on online shopping
- 6 YES Rewardz Points for every Rs. 200 spent on offline spends1
- 4 YES Rewardz Points for every Rs. 200 spent on select categories2
- Maximum 12,000 YES Rewardz Points can be earned in a billing cycle
Reward Subscription Plan
In addition to the general reward earning, YES Bank runs paid subscription plans under which cardholders can earn 3X or 5X rewards, based on the plan they choose. The charges for each subscription plan vary from one card variant to another. Rates for YES Elite+ Credit Card are as follows:
- 3X Subscription Plan: Rs. 1,500
- 5X Subscription Plan: Rs. 2500
Click here for details on subscription plans
Other Features and Benefits
Lounge Access
- 2 complimentary domestic lounge visits per quarter3
- 3 complimentary international lounge visits per calendar year
Low Forex Mark-up
- Relatively lower foreign exchange mark-up fee of 2.75%
Golf Benefit
- 4 complimentary golf games in a year with green fee waiver at select golf courses in India
- 50% green fee waiver beyond complimentary sessions
- 1 complimentary golf lesson every calendar month
Fees & Charges
| Particulars | Amount | ||||||
|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 999 + Taxes (waived off on spending Rs. 20,000 or more in the first month) | ||||||
| Annual Fee | Rs. 999 + Taxes (waived off on spending Rs. 2 Lakh or more in the preceding year) | ||||||
| Finance Charges | 3.99% per month (47.88% per annum) | ||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You prefer online shopping over store visits
You want an all-rounder card instead of one that focuses on single category
You want a card that rewards you for insurance, utilities, etc. even if earning rewards at a lower rate
You travel several times in a year and lounge access could be a valuable feature for you
Eligibility Criteria
Age: 21 to 60 years
Occupation: Salaried or Self-employed
Minimum Income for Salaried: Rs. 1 Lakh p.m.
Minimum Income for Self-employed: ITR of Rs. 9 Lakh or above
Paisabazaar Review
What do we like about this card?
YES Bank Elite+ Credit Card offers a well-rounded set of benefits across categories like online shopping, travel, movies, and rewards. With a 4:1 redemption value, it delivers a decent 1.5% return on online spends, though offline transactions earn a lower 0.75% value-back. Complimentary domestic and international lounge access adds value for frequent travellers, while movie and golf benefits enhance its lifestyle appeal. Overall, it is a reasonable choice for those seeking a versatile, all-rounder card. However, consumers looking for stronger, category-specific benefits may find better value with more focused alternatives.
Pros
- Accelerated rewards on online shopping
- Up to 8 Domestic and 3 international lounge visits in a year
- Comparatively low forex mark-up fee of 2.75%
- 25% discount on BookMyShow
- Complimentary golf games and lesson at select golf courses
Cons
- International lounge visits limited to only 3 in a year
- Reward rate is low for cardholders who do not opt for the subscription plan
Frequently Asked Questions
Everything you need to know about this credit card
YES Bank Elite Plus was previously known as YES Premia Credit Card. In addition to renaming of the card, some features may have been updated. Consumers can check the updated features on this page.
For salaried individuals, the minimum income requirement for Elite+ is Rs. 1 Lakh per month. Whereas, self-employed applicants must have an ITR of Rs. 9 Lakh or more to be eligible for the card.
To be eligible for complimentary domestic lounge access, cardholders must spend Rs. 50,000 or more in the preceding quarter. Moreover, lounge access benefits are extended only to primary cardholders; add-on users do not qualify for this benefit.
YES Bank credit cardholders can get up to 3 add-on credit cards on their primary card.
Yes, you can pay rent using your YES Bank credit card. However, each cardholder can make up to 3 rental transactions in a span of 30 days. Transaction fee of 1% of rental amount or Rs. 199 (whichever is higher) will also be applicable for rent payment above Rs. 1,000. For rental amount below Rs. 1,000, higher of Rs. 1 or 1% of transaction value will be charged.
Footnotes
- YES Rewardz Points will not be accrued on Government & Marketing / Advertising category transactions, Rental, Cash withdrawals, Wallet and Fuel, Post Purchase EMI & Instant EMI transactions.
- Select Categories include Cable, Satellite and Other Pay Television/Radio/Streaming Services, Utilities, Insurance and Educational Services.
- Cardholders must spend Rs. 50,000 or more in the previous calendar quarter to be eligible for complimentary domestic lounge access.
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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