Yes Bank Credit Card
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YES Bank ELITE Plus Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹999 + GST

Renewal Fee: ₹999 + GST

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The YES Bank ELITE Plus Credit Card is a premium offering designed to enhance your lifestyle with exclusive benefits. It provides accelerated reward points, access to golf programs, airport lounge privileges, discounts on movie tickets, and much more. Ideal for individuals seeking a credit card that combines excellent travel perks with great reward opportunities, the YES Bank ELITE+ Credit Card is tailored for those who want more from their credit card experience. Read on to discover all the benefits and features this card has to offer.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Joining Fee Waiver: The joining fee of ₹999 is also waived if you spend ₹20,000 within the first 30 days of card issuance.
Reward Points
  • Online Shopping: You earn 12 reward points for every ₹200 spent online.
  • Offline Shopping: It also offers 6 reward points for every ₹200 spent on offline purchases.
Travel Benefits
    Airport Lounge Access
  • Domestic: Cardholders enjoy 1 complimentary lounge access per calendar quarter at domestic airports across India.
  • International: It gives access to 2 complimentary international lounge visits per calendar year through the Priority Pass membership, available upon request.
Foreign Currency Markup
  • International travelers benefit from a low foreign currency markup fee of 2.75%, which makes it perfect for international transactions.
Entertainment Benefits
  • Movie Discounts: Users can also avail a 25% discount on movie tickets booked through BookMyShow.
Golf Benefits
  • Complimentary Golf Access: Enjoy a waiver of green fees four times at select golf courses and receive one complimentary golf lesson per month.
Additional Benefits
  • Fuel Surcharge Waiver: Get a waiver on fuel surcharge, adding to your savings on fuel purchases.
  • Contactless Payments: The card supports secure contactless transactions, enhancing convenience for everyday purchases.

YES Bank ELITE Plus Credit Card Eligibility:

Eligibility Criteria of YES Bank ELITE Plus Credit Card

  • Age:Between 21 and 60 years.
  • Occupation: Salaried or self-employed.
  • Income: For salaried applicants: Minimum net monthly income of ₹1,00,000. For self-employed applicants: Income Tax Return (ITR) of ₹9,00,000 or above.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter's ID, Driving License, Overseas Citizen of India Card, Person of Indian Origin Card, Job Card issued by NREGA, Letters from UIDAI or any other government-approved photo ID
  • Proof of Address: Aadhaar Card, Passport, Utility Bill (e.g., Telephone bill, Electricity bill – not more than 3 months old), Voter's ID, Ration Card, Property Registration Document, Bank Account Statement, Job Card issued by NREGA, Any other government-approved address proof.
  • Proof of Income:Recent salary slips (not older than 3 months), Latest Form 16, The last 3 months’ bank statements

Note: YES Bank may request additional documents as per their internal policies.

Fees and charges that apply to YES Bank Elite Plus Credit Card:

Fee / Charge Amount/Rate
Joining Fee ₹999 plus GST Waiver: Spend ₹75,000 in the 12 months prior to renewal to get the renewal fee waived.
Annual Fee ₹999 plus GST The annual fee is waived upon spending ₹2 lakh in a membership year.
Renewal Fee ₹999 + applicable taxes Waiver Condition: The renewal fee is waived off if ₹2,00,000 is spent in the previous year.
First Year Membership Fee ₹999 + applicable taxes Waiver Condition: The membership fee is waived off on total retail spends of ₹20,000 within 30 days of card activation.
Foreign Currency Markup 2.75% on the transaction amount
Interest Rate Overdue Amount: 3.80% per month Fixed Deposit: 2.49% per month Wallet Transactions: 1% of transaction value or ₹1 (whichever is higher) Rental Transactions: 1% of transaction value or ₹199 (whichever is higher)
Utility Charges 1% of the transaction value or ₹3000 (whichever is lower) on utility transactions above ₹15,000 in a month, with applicable GST.
Education Fee Payment Charges 1% of the transaction value plus applicable GST on education transactions through third-party websites, such as No-broker, Cheq, Housing.com, CRED, and PhonePe, capped at ₹5000 per calendar month.
Fuel Transaction Charges 1% of the transaction value or ₹5000 (whichever is lower) on fuel transactions above ₹10,000 per calendar month, with applicable GST.
Cash Advance Charges 2.5% of the cash withdrawn or ₹500 (whichever is higher)
Rewards Redemption Fee ₹100 + GST

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The YES Bank ELITE+ Credit Card is a premium card designed for individuals looking for exclusive lifestyle benefits. It offers accelerated reward points, golf privileges, airport lounge access, and discounts on entertainment, making it ideal for those who want luxury perks along with rewarding spending.

To apply for the YES Bank ELITE+ Credit Card, applicants must be between 21 and 60 years old. Salaried individuals need to have a minimum monthly income of ₹1,00,000, while self-employed applicants must have an ITR of at least ₹9,00,000 per annum.

To apply for YES Bank ELITE+ Credit Card applicants need to submit identity proof (PAN Card, Aadhaar Card, Passport, etc.), address proof (Utility Bill, Voter’s ID, Ration Card, etc.), and income proof (recent salary slips, latest Form 16, or the last 3 months’ bank statements). The bank can also request you additional documents based on YES Bank’s policies.

The YES Bank ELITE+ Credit Card has a first-year membership fee of ₹999 + taxes, which can be waived if you spend ₹20,000 within 30 days. The renewal fee of ₹999 + taxes, is waived if you spend ₹2,00,000 in the previous year.

The YES Bank ELITE+ Credit Card charges a foreign currency markup of 2.75% on the transaction amount for international purchases. The YES Bank ELITE+ Credit Card charges a foreign currency markup of 2.75% on the transaction amount for international purchases.

The YES Bank ELITE+ Credit Card charges an interest rate of 3.80% per month on overdue amounts. For fixed deposit-backed credit cards, the interest rate is 2.49% per month.

The YES Bank ELITE+ Credit Card offers a fuel surcharge waiver of 1% on fuel transactions above ₹10,000 per calendar month, with applicable GST.

The YES Bank ELITE+ Credit Card applies a 1% charge (capped at ₹5000 per month) on education payments through third-party platforms like CRED and PhonePe. Similarly, a 1% fee (capped at ₹3000) applies to utility bill payments exceeding ₹15,000 per month.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

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