YES Bank Elite+ Credit Card review
YES Bank · Visa · points Partly verified Checked 30 Oct 2026
Verify before applying. We read 2 issuer documents for this card (YES BANK Elite+ Value Chart; YES BANK Credit Card MITC CMITC_V18_05102026), but some figures rest on 1 secondary source (CardAdvisor banks/yes-bank-credit-cards) and are not confirmed in the bank's own terms. Check the issuer's current terms (MITC) first; every source is listed at the bottom with its check date.
At a glance
- Annual fee
- ₹999
- Joining fee
- ₹999
- Fee waiver
- ₹2,00,000 a year
- Base return
- 0.6% base
- Point value
- ₹0.2 per point
- Domestic lounge
- 2 complimentary visits per quarter for primary cardholder; unlocked by ₹50,000 spend in previous quarter (official MITC V18 / value chart)
- International lounge
- 3 complimentary visits in 12 months (primary cardholder) plus 1000+ international lounge membership (official value chart); no spend gate stated
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹628 | 0.4% |
| Metro salaried ₹60k a month | ₹6,372 | 0.9% |
| Family household ₹80k a month | ₹7,488 | 0.8% |
| Frequent flyer ₹1.5L a month | ₹16,464 | 0.9% |
| Online shopper ₹50k a month | ₹6,264 | 1.0% |
| Rent-heavy ₹90k a month | ₹1,128 | 0.1% |
Fee maths: The ₹999 annual fee is waived at ₹2,00,000 a year of eligible spend, about ₹16,700 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 61% (₹1,627) of what that profile earns before the fee. On our 6 profiles it nets from ₹628 (first card, light spender) to ₹16,464 (frequent flyer), equal to 0.1% to 1.0% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹9,500 a month of total spend.
After fees and caps, best-case redemption. Use your own spend.
Our take: A mid-fee YES Bank card that pays more online than offline: 12 reward points per ₹200 online (capped at 12,000 points a cycle) and 6 per ₹200 offline, which at our estimated ₹0.20 a point is 1.2% and 0.6%. Utilities earn 4 per ₹200 only up to 300 points a cycle. Two domestic lounge visits a quarter need ₹50,000 of spend in the previous quarter, with three international visits a year. The ₹999 fee is waived at ₹2 lakh, fuel earns nothing, rent carries a 1% fee, and YES does not state a rupee value per point on the pages we read.
From the card's terms: strengths
- 2 domestic lounge visits a quarter
From the card's terms: limits
- Base return is only about 0.6% on other spends
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Amazon, Flipkart, Other online shopping, Flights & hotels, Entertainment & OTT, Dining & food delivery, Groceries | 6 | ₹1.2 | 12000 pts monthly | 12 YES RP per ₹200 online shopping (value chart), cap 12,000 RP per statement cycle; MCC-based online classification |
| Bills & utilities | 2 | ₹0.4 | 300 pts monthly | 4 RP per ₹200 on select categories (utilities); utility RP capped at 300 per statement cycle for Elite+ (official MITC V18) |
| Everything else | 3 | ₹0.6 | No cap found | 6 RP per ₹200 on offline shopping (value chart) |
| Fuel | 0 | ₹0 | No cap found | No rewards on fuel (issuer terms). |
Point value: Official value chart: 1 YES Rewardz Point worth up to ₹0.25 (best redemption); 0.2 retained as blend. ₹100+GST fee per redemption request (MITC).
Excluded or reduced
- Official: no reward points on fuel, cash withdrawals and EMI-converted transactions (value chart)
- Utility spends earn 4 RP/₹200 only up to 300 RP per statement cycle (MITC V18)
- Not stated as excluded in the official documents read (aggregator-only; modelled as non-earning where rent/wallet is not listed in a rule): rent, wallet loads, insurance, education, government/tax, railways, tolls, jewellery
- Rent payments attract 1% fee (min ₹199 above ₹1,000; MITC V18)
Other benefits
- Forex markup 3.00% (MITC V18, effective 15 Jun 2026)
- Fuel surcharge waiver 1% on ₹500-4,000 transactions (MITC)
- BookMyShow 25% off up to ₹250/month (value chart)
Eligibility
We did not find eligibility criteria in the issuer documents we read. unverified
Compare
Related guides
- How to read a credit card MITC
- How annual fee waivers work
- Fuel surcharge waivers explained
- Airport lounge access on credit cards
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the YES Bank Elite+ Credit Card?
₹999 a year, waived at ₹2,00,000 annual spend. Fees exclude 18% GST.
How do YES Bank Elite+ Credit Card rewards work?
0.6% base, up to 1.2% on Amazon/Flipkart/other online shopping/flights & hotels/entertainment & ott/dining & food delivery/groceries. Official value chart: 1 YES Rewardz Point worth up to ₹0.25 (best redemption); 0.2 retained as blend. ₹100+GST fee per redemption request (MITC).
Does the YES Bank Elite+ Credit Card give airport lounge access?
Domestic: 2 complimentary visits per quarter for primary cardholder; unlocked by ₹50,000 spend in previous quarter (official MITC V18 / value chart). International: 3 complimentary visits in 12 months (primary cardholder) plus 1000+ international lounge membership (official value chart); no spend gate stated.
Who is the YES Bank Elite+ Credit Card best suited to?
A mid-fee YES Bank card that pays more online than offline: 12 reward points per ₹200 online (capped at 12,000 points a cycle) and 6 per ₹200 offline, which at our estimated ₹0.20 a point is 1.2% and 0.6%. Utilities earn 4 per ₹200 only up to 300 points a cycle. Two domestic lounge visits a quarter need ₹50,000 of spend in the previous quarter, with three international visits a year. The ₹999 fee is waived at ₹2 lakh, fuel earns nothing, rent carries a 1% fee, and YES does not state a rupee value per point on the pages we read. The ₹999 annual fee is waived at ₹2,00,000 a year of eligible spend, about ₹16,700 a month. Of our 6 profiles, 5 clear it; on first card, light spender you would pay the fee, which is 61% (₹1,627) of what that profile earns before the fee. On our 6 profiles it nets from ₹628 (first card, light spender) to ₹16,464 (frequent flyer), equal to 0.1% to 1.0% of spend across the profiles.
Sources
- CardAdvisor banks/yes-bank-credit-cards aggregator fetched 2026-10-29
- YES BANK Elite+ Value Chart official fetched 2026-10-30
- YES BANK Credit Card MITC CMITC_V18_05102026 official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with YES Bank before you apply. Methodology.
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