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Yes ELITE Credit Card

Product Details
Credit Card Name : 

Yes ELITE Credit Card

Bank Name :

Yes Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.

Eligibility :

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.

Yes ELITE Credit Card
Pros
  • Reward System: You can 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 CB Rate: 1.5%, Offline CB 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: 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 Lac

Cons
  • High Fees

  • Moderate Reward Rate

  • Limited International Lounge access

Pros & Cons
Welcome Benefits

None 

Rewards System
  • You can 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 CB Rate: 1.5%, Offline CB 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?
Contact Details

1800 1200

Account Opening and Procedure
Yes ELITE Credit Card

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.

Abhijeet Saxena

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

Fees & Charges
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