Travel and lifestyle
YES Bank Elite+ Credit Card
A mid-level YES Bank card with 3 international lounge visits a year, domestic lounges, 25% off BookMyShow and an easy joining fee waiver.
Joining fee₹999 + GST
Annual fee₹999 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward12 points per ₹200 online
Lounge8 domestic (spend-based) + 3 international
Forex markup3%
Best for: Travellers earning ₹1 lakh+ a month who want international lounges without a premium fee.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Online shopping | 12 points per ₹200 (about 1.2%) | 12,000 points a cycle |
| Other spends | 6 points per ₹200 (about 0.6%) | – |
| Utilities and streaming | 4 points per ₹200 | 300 points a cycle |
| Rent, wallet loads, fuel, government, insurance, education, EMI, railways, tolls, jewellery | Nothing | – |
- Points are worth about ₹0.25 on flights and hotels, less as vouchers or statement credit; ₹100 + GST per redemption.
Benefits
Welcome benefit
- Joining fee waived on ₹20,000 spend in the first 30 days.
Milestones
- Annual fee waived on ₹2 lakh spend.
Travel and lounges
- 2 domestic lounge visits a quarter with ₹50,000 spend in the previous quarter.
- 3 international lounge visits a year.
Fuel and forex
- Forex markup 3%.
- 1% fuel surcharge waiver on ₹500 to ₹4,000, up to ₹125 a month.
Other perks
- 25% off on BookMyShow, up to ₹250 a month
Fees and charges
| Joining fee | ₹999 + GST (₹1,179), waived on ₹20,000 spend in 30 days |
|---|---|
| Annual fee | ₹999 + GST, waived on ₹2 lakh yearly spend |
| Forex markup | 3% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried: ₹1 lakh a month; self-employed: ITR ₹9 lakh+
- New YES Bank card customers only
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- International lounges for a low fee
- Easy joining fee waiver
- Movie discount
Watch out for
- Points worth little as cash
- Many categories earn nothing
- Not for existing YES cardholders
Recent changes
- 15 Jun 2026Forex markup raised to 3%; more categories stopped earning.
- 1 Jun 2026Over-limit facility reinstated at ₹550 + GST.
Frequently asked questions
Does YES Elite+ have international lounge access?
Yes, 3 international visits a year.
Ready to apply for the YES Bank Elite+ Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.