PremiumPremiumMastercardVisa

YES Bank ELITE+ Credit Card

Premium online rewards with lounge and golf access

Annual fee₹999Waived on ₹2.0L spend

Rewards12 YES Rewardz Points per ₹200 on online shopping, 6 per ₹200 on offline shopping and 4 per ₹200 on select categories.

Forex markup2.8%2.75% on foreign currency conversion

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Rewards

Base earn rate

12 YES Rewardz Points per ₹200 on online shopping, 6 per ₹200 on offline shopping and 4 per ₹200 on select categories.

YES Rewardz

Domestic

8visits / year

International

Not included

Joining fee: ₹999 plus applicable taxes
Annual / renewal fee: ₹999 plus applicable taxes
Annual fee waiver: Spending ₹20,000 within one month of card set-up waives the first-year fee. Spending ₹2,00,000 in a year waives the following renewal fee.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 2.75% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹125/cycle
Duplicate card: ₹100