Visa, Mastercard, RuPay 📡 Contactless NFC

YES Bank Elite Plus Credit Card

Joining Fee₹999

Annual Fee₹999

Forex Markup 3.5%

Apply & Earn ₹240 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Online shoppers and travelers wanting 12x reward points on web purchases, 8 domestic + 3 international lounge visits, 25% BookMyShow movie discounts, and RuPay UPI support.

Who Should Avoid

Users who cannot reach the ₹2.5 Lakh annual spend fee waiver.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹240 directly upon successful card approval.

Claim ₹240 & Apply →

🎉

Joining & Activation Welcome Gift

2,500 bonus YES Rewardz Points upon payment of joining fee and realization

12 Reward Points per ₹200 on Online Shopping

Earn 12 YES Rewardz Points per ₹200 (3.0% return) on online shopping and 6 points per ₹200 on offline purchases.

8 Domestic & 3 International Lounge Visits

8 domestic (2 per quarter) + 3 international airport lounge visits per year via Priority Pass.

25% Off on BookMyShow Movie Tickets

Flat 25% discount on movie ticket bookings via BookMyShow.

💰 Reward Structure & Point Valuation

1 YES Rewardz Points = ₹0.25

Standard Base Earning

6 YES Rewardz Points per ₹200 spent on offline retail purchases (1.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

12 YES Rewardz Points per ₹200 (3.0% return; 1 RP = ₹0.25) on Online Shopping (capped at 6,000 points/month); 25% flat discount on BookMyShow movie tickets; Milestone bonus: 5,000 bonus points on ₹2.5L annual spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: YES Rewardz Catalog (Brand Vouchers & Flight Bookings), Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge Visits3 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹250,000/yr

Annual renewal fee of ₹999 + GST is waived off on spending ₹2,50,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 YES Rewardz Points per ₹200 on eligible RuPay merchant UPI transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹100,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the YES Bank Elite Plus Credit Card

Annual Fee: ₹999/yr (Waivable)

Apply & Claim ₹240 →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, YES Bank Elite Plus Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).

YES Bank Elite Plus Credit Card ₹999/yr