Yes Bank
YES Bank Elite+ Credit Card
Data last verified: 11 October 2026
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Reward rate0.6% base, up to 1.2% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹125 a month
YES Elite+ earns YES Rewardz points: about 1.2% on online shopping (capped monthly) and about 0.6% on other spends, with a lower rate on utility bills.
Travel is where it stands out for the price: 8 domestic and 3 international airport lounge visits a year, and a 3% markup on foreign spends. The fee is ₹999 a year, waived when you spend ₹2 lakh in the year.
It suits someone who travels a few times a year and wants lounge access without a premium fee.
Best for: Travellers wanting lounges at a moderate fee, Online shoppers.
01YES Bank Elite+ Credit Card Rewards and Benefits
02YES Bank Elite+ Credit Card Annual Fee and Charges
- Joining fee
- ₹999 + GST
- Annual fee
- ₹999 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹125 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 1.2%₹60
- ₹15,000 on everything else, earning 0.6%₹90
- Back each month, ₹1,800 a year₹150
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,800
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 1.2% back, up to ₹2,400 a month
- Spending ₹16,667 or more a month: the ₹1,179 fee is waived
- Flyers: 11 airport lounge visits a year
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,179 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on online shopping: the 1.2% rate applies only there, everything else earns 0.6%
- you often pay in foreign currency: 3% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
04Product Details
- About 1.2% in points on online shopping (capped monthly)
- About 0.6% on other spends
- 8 domestic and 3 international lounge visits a year
- 3% forex markup
05Pros and Cons
Pros
- Good lounge access for the fee
- Lower forex markup than most entry cards
Cons
- Monthly cap on online rewards
- Needs an income of about ₹1 lakh a month
06How YES Bank Elite+ Credit Card earns Rewards
0.6% base, up to 1.2% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.2% | ₹2,400 | All merchants in the categoryTerms: 12 YES Reward Points per ₹200 on online spends (~1.2% at ₹0.20/point; up to ~1.5% redeemed for flights/hotels), capped at 12,000 points a statement cycle |
| Dining and food delivery | 0.6% | No cap | The card's normal rate |
| Groceries | 0.6% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.6% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.4% | ₹60 | All merchants in the categoryTerms: 4 YES Reward Points per ₹200 on Select categories, utilities (MCC 4900) and cable/streaming (4899), capped 300 points a cycle (MITC v18 p10) |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.6% | No cap | The card's normal rate |
| Everything else | 0.6% | No cap | The card's normal rate |
Terms on the base rate. 6 YES Reward Points per ₹200 offline (~0.6%); redeemable on YES rewardz, best value on flights/hotels
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07YES Bank Elite+ Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 3 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3% forex markup; rewards on it: 0.6% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹125 a month
- Airport lounge access: 2 complimentary domestic lounge visits per quarter (unlocked by ₹50,000 spend in the prior quarter) plus 3 international lounge visits a year; guests are charged
- Movie ticket offers: 25% discount on movie tickets via BookMyShow, capped at ₹250 per calendar month
08YES Bank Elite+ Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹1,00,000
09Recent Changes
What Yes Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Cash-advance, auto-debit-failure, cash-deposit and reissuance fees raisedSource: Yes Bank | Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · cash deposit ₹100 · reissuance ₹100 | Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · cash deposit ₹500 · reissuance ₹199 |
| 15 Jun 2026 | Reduced: Forex markup raised from 2.75% to 3.00%Source: Yes Bank | 2.75% | 3.00% |
| 15 Jun 2026 | Reduced: Fuel surcharge waiver window narrowedSource: Yes Bank | ₹400 to ₹5,000 per transaction | ₹500 to ₹4,000 per transaction |
| 15 Jun 2026 | Reduced: Reward exclusions widen; select categories shrink to utilities + streamingSource: Yes Bank | Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education | No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899) |
| 1 Jun 2026 | Changed: Over-limit facility reinstated, at ₹550 a timeSource: Yes Bank | Withdrawn, spends above the limit declined | Available again, ₹550 + GST per instance |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to YES Bank Elite+ Credit Card
YES Bank Elite+ Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | YES Bank Elite+ Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹999 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹999 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.6% base, up to 1.2% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the YES Bank Elite+ annual fee?
₹999 a year, waived when you spend ₹2 lakh in a year.
How many lounge visits does it give?
8 domestic and 3 international airport lounge visits a year.
What is the joining fee for the YES Bank Elite+ Credit Card?
The joining fee is ₹999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the YES Bank Elite+ Credit Card?
The annual fee is ₹999 + GST.
Does the YES Bank Elite+ Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 3 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Yes Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
