All cards / Yes Bank
YES Bank ELITE+ Credit Card
A well-rounded mid-tier card at a reasonable ₹999 fee — 1.5% on online shopping plus a decent lounge allowance — with a 3% forex markup (since 15 Jun 2026) that is only slightly below the usual 3.5%.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter for the primary cardholder
- International lounge access: 3 complimentary international lounge visits per year
- Golf: Complimentary golf privilege programme at select courses in India
Benefits by category
- 🍽️ Dining & food delivery
0.75% reward rate
- ✈️ Travel
0.75% reward rate · 2 complimentary domestic lounge visits per quarter, plus 3 international lounge visits per year
- 🛍️ Shopping
1.5% reward rate
- ⛽ Fuel
Standard fuel surcharge waiver
- 🌍 Forex / international spend
3% forex markup (raised from 2.75% on 15 Jun 2026) · 3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹4,000 at all fuel stations in India, capped per statement cycle
Benefits
- 2 complimentary domestic lounge visits per quarter, plus 3 international lounge visits per year
- 3% forex markup (raised from 2.75% on 15 Jun 2026)
- Movie ticket discounts and a golf privilege program
- Standard fuel surcharge waiver
Pros
- + Solid 1.5% effective rate on online shopping
- + Domestic + international lounge access at a modest fee
- + Slightly lower-than-average 3% forex markup
Cons
- − Offline spend earns just 0.75%
- − Fee waiver requires ₹2L annual spend
- − Golf and movie perks need active redemption to matter
Best for
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