.png)
Yes ELITE + Credit Card
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
1 RP = 0.25 paisa.
Users will get 12 YES Reward Points for every INR 200 for online shopping, Online cashback rate: 1.5%.
6 YES Reward Points for every INR 200 for offline shopping. Offline cashback rate: 0.75%.
4 YES Reward Points for every INR 200 on Select categories. Cashback rate: 0.50%
Movie Benefits
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability Rs 3 Lakhs.
Dining Benefits
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits
Travel Benefits.
Lounge Access
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
1 RP = 0.25 paisa.
Users will get 12 YES Reward Points for every INR 200 for online shopping, Online cashback rate: 1.5%.
6 YES Reward Points for every INR 200 for offline shopping. Offline cashback rate: 0.75%.
4 YES Reward Points for every INR 200 on Select categories. Cashback rate: 0.50%
Movie Benefits
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability Rs 3 Lakhs.
Dining Benefits
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits
Travel Benefits.
Lounge Access
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Fees & Charges
Joining Fee
INR 999 + Applicable Taxes
Annual Fee
INR 999 + Applicable Taxes
Cash Advance Fee
2.5% or the transacted amount or Rs. 300 (whichever is higher).
Interest rate
Interest Rate: 3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 2.75% on all foreign currency transactions.
Other Fees
First Year Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 20,000 in first 30 days | Cash Advance Charges: 2.5% or the transacted amount or Rs. 300 (whichever is higher).
Fees & Charges
Joining Fee
INR 999 + Applicable Taxes
Annual Fee
INR 999 + Applicable Taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 2.75% on all foreign currency transactions.
Other Fees
First Year Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 20,000 in first 30 days | Cash Advance Charges: 2.5% or the transacted amount or Rs. 300 (whichever is higher).
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.
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai