YES BANK • An affordable all rounder with online rewards, lounges and golf at a Rs. 999 fee.
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
Some apply links are referral links. They never change our scores or rankings. Read our editorial independence promise.
The ELITE+ is YES BANK's mid tier all rounder, earlier sold as YES Premia. It pays its best rate on online shopping at 12 Rewardz Points per Rs. 200, with 6 per Rs. 200 offline and 4 per Rs. 200 on select categories like utilities, insurance, education and government payments. With 1 point worth Rs. 0.25 on travel bookings through YES Rewardz, that works out to about 1.5 percent on online spends and 0.75 percent offline, and points stay valid for 36 months. Optional paid subscription plans can multiply rewards 3X or 5X for heavy spenders. For a Rs. 999 card the travel and lifestyle extras are strong: 2 domestic lounge visits per quarter, 3 international visits a year, 4 golf green fee waivers a year plus a free lesson every month, 25 percent off movie tickets on BookMyShow up to Rs. 250 a month, purchase protection of up to Rs. 50,000 on online purchases and a 1 percent fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000. The fee itself is easy to avoid: the joining fee is reversed on Rs. 20,000 of spends in the first 30 days and the annual fee on Rs. 2 lakh of spends in a year. The forex markup of 2.75 percent is lower than the standard 3.5 percent.
Joining and annual fee Rs. 999 plus GST each, per the YES BANK Credit Card MITC (version 18, October 2026). Joining fee waiver on Rs. 20,000 spends within 1 month of card setup; annual fee waiver on Rs. 2,00,000 spends in the 12 months before the anniversary date. Rewards capped at 12,000 points per billing cycle; utility category points capped at 300 per cycle and a 1 percent charge applies on utility transactions above Rs. 15,000 a month and on rent and wallet transactions. No points on fuel, rent, wallet, EMI and cash spends. Reward redemption fee Rs. 100 per request. Finance charges up to 3.99 percent per month.
Last verified against MITC: 21 October 2026 • View official MITC →
Spend Rs. 20,000 or more within the first 30 days of card setup to reverse the joining fee, and Rs. 2,00,000 or more in a year to reverse the annual fee, as per the YES BANK MITC.
Points are generally worth Rs. 0.25 each when redeemed for flights and hotels on YES Rewardz, so 12 points per Rs. 200 on online spends equals about 1.5 percent back. A redemption fee of Rs. 100 applies per request.
Yes. You get 2 domestic lounge visits per quarter, which require Rs. 50,000 of spends in the previous quarter, and 3 complimentary international lounge visits per calendar year.
Was this page helpful?