All cards / Yes Bank
Yes Bank
YES Bank ELITE+ Credit Card
Visa
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 — that undercuts most bank's entry-premium cards on forex markup too.
Rates and fees last verified 15 July 2026.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
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
Below-average 2.75% forex markup · 2.75% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2 complimentary domestic lounge visits per quarter, plus 3 international lounge visits per year
- Below-average 2.75% forex markup
- 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
- + Lower-than-average 2.75% forex markup
Cons
- − Offline spend earns just 0.75%
- − Fee waiver requires ₹2L annual spend
- − Golf and movie perks need active redemption to matter