Yes ELITE Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Yes ELITE Credit Card
Bank Name :
Yes Bank
प्रकार
Lifestyle Credit Card
ब्याज दर
3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
पात्रता
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.
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पेशेवरों
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.
दोष
High fees.
Moderate reward rate.
Limited international lounge access.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
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%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
2.75% on all foreign currency transactions.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
Travel Benefits.
Movie ticket discounts.
Golf programs.
Dining discounts.
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:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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.
ईंधन अधिशुक्ल
1% waiver, valid for transaction between ₹400 to ₹5,000 only.
Billing Cycle
30 Days