Yes Bank ELITE+ Credit Card: Fees, Rewards & Benefits
Utilities card with lounge access
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The Yes Bank ELITE+ is a mid-tier card strong on online shopping (12 points per INR 200, capped 12,000/month) with decent lounge access and insurance. A 0.25 INR point value, reduced utility earning and a high INR 9 lakh income bar mean it rewards online-heavy spenders who clear the INR 2 lakh waiver.
Utilities card with lounge access
The Bottom Line
The Yes Bank ELITE+ is built for online shopper and occasional traveller. With a ₹999 annual fee that is waived on ₹2,00,000 yearly spend, it offers 1.5% rewards on online shopping and a welcome benefit worth ₹5,000. It makes the most sense if your spending matches online shopper and occasional traveller.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with Online Shopper, Occasional Traveller. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealFrequent online spenders who can exploit the 12-points-per-INR-200 rate up to the high 12,000-point monthly cap and clear the INR 2 lakh fee-waiver bar.
Those who will use the 8 domestic + 2 international lounge visits and golf perks.
Probably not for
SkipUtility earning is capped at 300 points/month with fees above INR 15,000, and many categories earn reduced points.
The INR 9 lakh minimum income requirement excludes many.
Is It Worth It For You?
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Reward Rates
Yes Bank ELITE+ offers 0.75% basic reward rate.
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Welcome Offer
Welcome e-Gift Voucher worth INR 5,000. Separately, the joining fee of INR 999 is reversed on spending INR 20,000 within 30 days of card issuance.
Milestone Benefits
Annual/renewal fee waiver on spends of INR 2,00,000 or more in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min Credit Score: 750
- Salaried/self-employed age 21-60; min monthly income ₹1L salaried (₹12L p.a.) or ITR ₹9L self-employed; joining fee waived on ₹20,000 spend in 30 days.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawals
- Does not earn reward points.
EMI Transactions
- Does not earn reward points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹999 annual fee. Apply on the Yes Bank website.
Apply on Yes Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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