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Yes ELITE Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Fees & Charges
Joining Fee
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Annual Fee
annual fee reversal on spending inr 1,00,000 on the card.
Cash Advance Fee
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Interest rate
0
Late Payment Fee
8
Foreign Currency Transactions Fee
Other Fees
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
High fees.
Moderate reward rate.
Limited international lounge access.
Reward System: Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on select categories. 1RP = 0.25 paisa. Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability 3 lakh.
Rewards & Benifits
Welcome Benefits
None
Rewards System
Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on Select categories.
1 RP = 0.25 paisa.
Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
International Forex Markup
2.75% on all foreign currency transactions.
Welcome Benefits and Reward System
Special Features
Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online.
Eligibility Criteria
21 to 60 years of age.
Salaried or self-employed.
Minimum Net Salary of INR 1 lakhs per month or Income Tax Return of INR 9 Lakhs and above.
Benefits
Travel Benefits.
Movie ticket discounts.
Golf programs.
Dining discounts.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the Yes Bank website (https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards).
Navigate to the 'Credit Cards' section and select 'Yes ELITE Credit Card'.
Click on 'Apply Now' and fill out the online application form.
You'll need to submit scanned documents like PAN card, ID proof, income proof (salary slips/ITR documents), etc.
Contact Details
1800 1200
Account Opening and Procedure



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Pros:-
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Cons:-
Reward System: Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on select categories. 1RP = 0.25 paisa. Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability 3 lakh.
High fees.
Moderate reward rate.
Limited international lounge access.
The Yes Bank ELITE Credit Card is a good option for travelers who frequently use airport lounges and prioritize saving money on foreign transactions. The potential fee waiver and fuel surcharge waiver can add value if you meet the spending requirements. However, if you're looking for a card with a high base reward rate for all your spending, or if you prefer a simpler rewards program without subscriptions, there might be better options available.
Yes ELITE Credit Card

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
First Year Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 20,000 in first 30 days
Interest Rate: 3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Cash Advance Charges: 2.5% or the transacted amount or Rs. 300 (whichever is higher).
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Mark-up Fees: 2.75% on all foreign currency transactions.
Fuel Surcharge
1% waiver, valid for transaction between ₹400 to ₹5,000 only.
Billing Cycle
30 Days