In the modern life of today, a credit card is no longer only a financial instrument, but it also modifies our everyday lifestyle. For such customers, one of the leading private banks in India, Yes Bank, has come up with the “Yes Bank Elite Credit Card.” Yes Bank Credit Card is specifically designed for those who look for privilege and elegance in their life.
Yes Bank Elite Credit Card does not just work as any credit card but offers the perfect package of luxury features and amenities to its holders. The card is for someone who gives luxury and comfort a full priority in one’s lifestyle, be it while traveling internationally or booking a lavish hotel, or perhaps shopping. Whether it is domestic or international – Yes Bank Elite Credit Card leaves no stone unturned to pamper you throughout.
In today’s article, we will know in detail about Yes Bank Credit Card. Along with this, we will also discuss in detail the benefits of Yes Bank Elite Credit Card. Therefore, read this article till the end so that you do not face any problems later.
What is the Yes Bank Elite Credit Card?
Credit Card is a premium credit card designed specifically for high-income earners. Yes Bank Elite Credit Card is designed for those who want to enjoy elegance, comfort, and convenience in their lifestyle. With Yes Bank Credit Card, cardholders get a variety of premium features and privileges that make it stand out from other credit cards.
How is the design of the Yes Bank Credit Card?
Credit Card is sleekly designed and quite sophisticated, so it gives one a premium feel. It also has a very clean layout with a minimalist design, so it often boasts subtle hues, a matte finish, and elegance.
It carries the logo of Yes Bank with the name of the cardholder and the number of the card printed attractively. The design is supposed to give a feeling of being exclusive and luxurious, hence an attractive accessory for the card owner.
What are the benefits of the Yes Bank Elite Credit Card?
Here are the reward points:
- With every ₹200 spent on a retail purchase, you will get 8 reward points, which you can redeem for shopping, travel, or gift vouchers.
- Travel Benefits: Cardholders will enjoy free entry to some of the airport lounges in India, making traveling more comfortable.
- Dining Offers: You will have discounts at multiple restaurants while dining with the card.
- Golf Privileges: You will be getting free golf sessions at all the best golf courses in the country.
- Fuel Surcharge Waiver: You can save a lot on fuel as you are going to have a 1% waiver on fuel surcharge at all fuel stations across India.
- Concierge Services: You will have 24/7 concierge services for taking care of all travel bookings and other event planning needs.
- Insurance Cover: You are covered with several insurance covers with provided travel insurance and accident cover for safety.
What are the fees for the Yes Bank Elite Credit Card?
Here is a simple breakup of the Yes Bank Credit Card fees.
| Joining Fee | ₹999 + GST (one-time fee when you get the card). |
| Annual Fee | ₹999 = GST per year. This will be waived if you spend ₹1,30,000 or more in a year. |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.99% per month (48% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Yes Bank Elite Credit Card?
The following are the primary requirements:
- To apply for the Yes Bank Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.3 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Yes Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Yes Bank Elite Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Yes Bank Elite Credit Card be used?
Here is the list of places where you can use it:
- With the Yes Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Yes Bank Elite Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Yes Bank Elite Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Yes Bank Elite Credit Card?
The credit amount you can spend is what you are provided with a Yes Bank Elite Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Yes Bank Elite Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Yes Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank Elite Credit Card.
- Just hover your cursor on the Yes Bank Elite Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Yes Bank branch to apply for the Yes Bank Elite Credit Card.
- Request for the credit card application form of the Yes Bank Elite Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Yes Bank Elite Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Yes Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting a Yes Bank Elite Credit Card in 2025 be right?
Yes, getting a Yes Bank Elite Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Yes Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Yes Bank Elite Credit Card is a premium credit card designed especially for those who want elegance and convenience in their lives. Credit Card not only provides you with the best benefits and premium services but also takes your lifestyle to the next level.
Yes Bank Elite Credit Card features distinguish it from all the other credit cards. Be it reward points, discounts, or damage protection insurance, Yes Bank Elite Credit Card makes every spend special. You get attractive reward points on online and offline shopping, discounts on BookMyShow, and benefits like damage protection on electronics.
The fees and application process for Yes Bank Elite Credit Card are also completely hassle-free. This ensures that you have a great card experience. You can easily apply for a Yes Bank Elite Credit Card online or through your nearest bank branch. The documents and criteria required to apply are also simple, so you won’t face any hassle in the process.
Frequently Asked Questions (FAQ’s)
Ans: Reward points can be redeemed on the Yes Bank Rewards Portal by selecting gift vouchers, travel bookings, and other products.
Ans: The interest rate varies, but it is competitive. Interest is charged on outstanding balances when the total amount due is not paid before the due date.
Ans: Yes, the card comes with free entry to some of the domestic airport lounges for a better traveling experience.
Ans: You should report the loss immediately to Yes Bank’s customer care to block the card and thereby prevent unauthorized transactions. You may request a new card after reporting the loss.
Ans: Yes, it does charge a late payment if the minimum payment due is not paid on or before the due date. It depends on the total outstanding amount.
