Summary
YES Elite+ Credit Card is an upscale credit card designed for individuals who enjoy shopping, eating, and traveling through reward points being earned on their spends. The credit card also has a beneficial reward point system under which the cardholders are entitled to earn 6 reward points on all ₹200 spends at the grocery store, restaurant, and supermarket and 4 reward points for each ₹200 spend elsewhere. These points may be redeemed against shopping, holiday bookings, and gift vouchers, so the card is highly rewarding for big spenders.
One of the prominent features of this card is its airport lounge privilege, which provides 2 free domestic lounge access every quarter (total 8 annually), providing a hassle-free flying experience. Also includes a waiver on fuel surcharge at 1% for spends of ₹400 to ₹5,000, providing savings on fuel costs for the user. It also provides movie ticket offers for movie lovers on BookMyShow.
It carries a joining and renewal fee of ₹999 + GST but not any renewal charge if the card spends ₹3.6 lakh and above per year. Therefore, it becomes an economical option for heavy usage. The rate of interest charged is 3.5% p.m. (42% pa), thus, the bill payment must be on time to stay out of expenses.
Introduction
If you are looking for a premium credit card with exclusive rewards, travel privileges, and lifestyle benefits, then the YES Elite+ Credit Card is your option. It is a card that is designed for those who like to shop, dine, and travel while earning exciting rewards on their spends. It has a mix of privileges like reward points, airport lounge access, waiver of fuel surcharge, and entertainment discounts.
One of the biggest advantages of this card is its reward scheme, by which you can earn reward points for every transaction. You can then redeem these points for shopping vouchers, flight tickets, and more. If you are a frequent traveler, this card provides free domestic as well as international lounge access, thus making your flight journeys more comfortable. It also comes with movie ticket coupons so that you can watch movies at discounted rates.
On the fee, the YES Elite+ Credit Card charges you a yearly fee, but they exempt you from it if you spend some money within a year. That makes it affordable to all those who use a credit card daily. The card also gives you waivers on fuel surcharges, so you save some money every time you gas your car.
In this article, you will learn about the features, benefits, fees, and application process of the YES Elite+ Credit Card in detail. Continue reading to find out whether this card is for you!
What is the YES Elite+ Credit Card?
YES Elite+ Credit Card is a high-end credit card provided by YES Bank. It is specially meant for individuals who enjoy shopping, traveling, and dining while getting special reward points and discounts. This card allows you to earn reward points on each purchase, which can be used for shopping, traveling, or gift vouchers later.
It also provides free lounge access at the airport, cinema ticket discounts, and a fuel surcharge credit to save your money. The card allows you to live like royalty while providing excellent rewards on your expenses.
What is the design of the YES Elite+ Credit Card?
The YES Elite+ Credit Card is premium and sleek in design and seems high-end. The card comes in a shiny black finish with a premium look and feel, so it seems high-end. It features the YES BANK logo on top and the Elite+ logo in the center.
It has an EMV chip for increased security and a contactless payment symbol, which allows you to make quick and easy payments. The overall look is simple but elegant, and it is a great choice for those who need a stylish and professional-looking credit card.
What are the benefits of the YES Elite+ Credit Card?
Some of the major benefits, along with real reward points earned, are as follows:
1. Reward Points for Each Spend
- Earn 6 reward points for each ₹200 spent on supermarket, dining, and grocery expenses.
- Earn 4 reward points for each ₹200 spent on other categories.
- Redeem these points on shopping, travel, etc.
2. Airport Lounge Privileges
- Enjoy 2 free domestic airport lounge visits per quarter (8 annually).
- Relish free snacks, Wi-Fi, and a comfortable seat on the go.
3. Fuel Surcharge Waiver
- Relish a 1% fuel surcharge waiver on spends of ₹400 to ₹5,000.
- Up to ₹250 per month, which will save you money on fuel.
4. Movie Ticket Discounts
- Relish ₹250 off on movie tickets each month.
- Offer valid through BookMyShop (Buy One Get One Free).
5. Annual Fee Waiver
- Pay ₹3.6 lakh in one year, and your next year’s fee is waived.
- So the card costs nothing if you use it extensively.
6. Contactless Payments
- Pay quickly and securely with contactless.
- Tap the card to the machine without a PIN for small payments.
What are the fees for the YES Elite+ Credit Card?
Here is a simple YES Elite+ Credit Card fee breakup.
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a YES Elite+ Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get a YES Elite+ Credit Card?
The documents that you will have to submit to Get a YES Elite+ Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the YES Elite+ Credit Card be used?
Here is the list of places where you can use it:
- With the YES Elite+ 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 Elite+ Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The YES 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 Elite+ Credit Card?
The credit limit of the YES Elite+ Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call YES Bank once you have made your application.
How do you apply for a YES Elite+ Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of 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 Elite+ Credit Card.
- Just hover your cursor on the YES 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 you submit 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 Elite+ Credit Card.
- Request for the credit card application form for the YES Elite+ Credit Card. They will provide you with the form and proceed accordingly.
- Fill in 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 a passport.
- 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 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 customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a YES Elite+ Credit Card in 2025 be right?
Yes, getting a YES 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 have good credit, it might be a very good option in 2025.
Conclusion
YES Elite+ Credit Card is an ideal card for those who enjoy shopping, dining, travel, and entertainment and want to earn rewards on spends. It offers tempting benefits like reward points on each spend, airport lounge access, fuel surcharge rebates, and movie ticket discounts. The reward program allows you to earn points, which can be redeemed for shopping vouchers, travel bookings, and a lot more.
The greatest advantage of this card is that the annual fee is waived if you spend ₹3.6 lakh in one year. What this means is that if you use the card regularly for everyday expenses, you can enjoy all its premium services without paying the annual fee. Additionally, the 1% fuel surcharge waiver is cost-saving on fuel, and so it is perfect for frequent travelers.
The lounge access airport feature is another feature, which allows you to relax and enjoy complimentary services at elite domestic lounges. The feature makes the card appropriate for individuals who wish for a comfortable airport life. Additionally, the BookMyShow movie discount offer allows you to enjoy leisure activities at lower costs every month.
Frequently Asked Questions (FAQ’s)
Ans: 3.5% per month (42% per year) on outstanding balances.
Ans: You can apply online from the YES Bank website or simply visit a YES Bank branch. Furnish KYC documents, income proof and go through the verification procedure.
Ans: Yes, a 1% fuel surcharge waiver on transactions between ₹400 – ₹5,000. Up to ₹250 per month as maximum waiver.
Ans: Log in to your YES Bank Credit Card online or check through the YES Bank mobile app.
Ans: There is a 3.5% markup charge on international transactions.
