YES BANK Elite+ Credit Card
YES BANK
₹999
Joining fee
₹999, waived at ₹2L spend
Annual fee
Rs 999 joining fee waived if spending Rs 20,000+ in the first month; Rs 999 annual fee waived if spending Rs 2,00,000+ in the preceding year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried minimum Rs 1 lakh/month; self-employed ITR Rs 9 lakh+; up to 3 add-on cards permitted but add-on cardholders ineligible for lounge benefits.
Lounge access
8 domestic / 3 international visits per year
Add On Exclusion: Add-on cardholders explicitly ineligible for lounge benefits despite up to 3 add-ons being permitted on the account.
Reward details
6 points per Rs 200 on offline spends (3% earn rate)
- 12 points per Rs 200 (6% earn rate) on Online shopping
- 4 points per Rs 200 (2% earn rate) on Cable, utilities, insurance, education
Redemption
Approximately Rs 0.25/point (effective 1.5% online, 0.75% offline)
Ratio: ~4:1
Caps: maximum 12,000 points per billing cycle
Excluded from rewards: government transactions, marketing/advertising, rental, cash withdrawals, wallet, fuel, post-purchase EMI, instant EMI
- Optional 3X plan (Rs 1,500/year) or 5X plan (Rs 2,500/year) for boosted earning
- 25% discount on BookMyShow movie tickets
- 4 complimentary golf games annually with green fee waiver, 50% green fee waiver on additional rounds, 1 free golf lesson monthly
- 1% fuel surcharge waiver on Rs 400-5,000 transactions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Well-rounded benefits across categories; decent value for frequent travelers — Paisabazaar
Complaints
- Only 3 international lounge visits/year; lower reward rates without paid subscription; value questioned vs. competitors like the Cashback SBI Card — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge, sentiment