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Yes Bank

ELITE+ Credit Card

A mid-tier points card (renamed from YES Premia/Elite) with generic-bucket redemption values and lounge access whose visit count Yes Bank never actually states.

Joining fee
₹999
Annual fee
₹999
Status
Open
Verified
3 September 2026

Fees

Joining fee
₹999
Annual fee
₹999
Fee waiver
Waived above ₹2,00,000 annual spend
Forex markup
2.75%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • other-online: 12 points / ₹200Capped at 12,000 points/statement cycle across all categories on this card.
  • everything-else: 6 points / ₹200
  • utilities, education, insurance: 4 points / ₹200Select categories.

A ₹100+GST reward redemption fee applies per request, per the shared MITC.

Travel

Forex markup
2.75%

"International Lounge Access" is listed as a top benefit, gated via Priority Pass, but no numeric visit count is stated anywhere on the page.

Eligibility

Minimum age
21 years
Minimum monthly income
₹1,00,000

Why this card may suit you

  • The annual fee is waived once you spend 2,00,000 in a year.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge