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Yes ELITE Credit Card
Rewards & Benefits
Welcome Benefits
None
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
Other Benefits
Travel Benefits.
Lounge Access
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
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).
दोष
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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
1800 1200
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
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.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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