The YES Elite+ Credit Card costs Rs 999 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 0.75%. The forex markup is 3%. Lounge visits in India: 2 per quarter (spend-gated). Abroad: 3 per year. Read from the issuer's documents and an aggregator on 31 Oct 2026.
Joining Rs 999 waived on Rs 20,000 spend in 1 month; annual Rs 999 waived on Rs 2 lakh spend in 12 months. Formerly YES Premia. Also issued against FD.
Rewards
Welcome benefit
None found.
Reward currency
YES Rewardz points
Base earn
6 YES Rewardz points per Rs 200 on offline shopping (except select categories)
Base returnunverified
0.75%
Point valueunverified
Rs 0.25 per point on flights/hotels via YES Rewardz (points cover max 70% of invoice); about Rs 0.15 on e-gift vouchers; Rs 0.10 as statement credit
Accelerated earn
12 points per Rs 200 on online shopping (except select categories); 4 points per Rs 200 on select categories (from 15 Jun 2026: utilities MCC 4900 and cable/streaming MCC 4899)
Caps
Issuer page: 12,000 points per statement cycle (stated against the online tier); utility (MCC 4900) earn capped at 300 points per cycle. MITC: flights/hotels redemption max 70% of invoice and 1,00,000 points a month.
Spends that earn nothing
From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).
Points expiry
3 years from earning
Reward notes
Redemption fee Rs 100 + GST per request and Rs 99 + GST convenience fee on flight bookings with points (MITC). Point values by route are from an aggregator citing the MITC; the issuer page only links to a value chart. base_return_pct left null because the rupee value of a YES Rewardz point is not stated on the issuer page (the Rs 0.25 flights/hotels figure is from an aggregator); indicative only: 3 points per Rs 100 offline x Rs 0.25 = 0.75%.
Domestic needs Rs 50,000 spend in the previous calendar quarter. Guests charged. International has no spend threshold.
Forex markup
3%
Fuel surcharge waiver
1% on Rs 500-4,000 transactions, cap Rs 125 per statement
Other freebies
Issuer page: 25% discount on movie tickets, capped at Rs 250 per calendar month, on the District app/website from 1 Oct 2026; purchase protection plan; golf programme referenced in the page terms (rounds not stated).
Charges and eligibility
Interest per month
3.99%
Late payment fee
Outstanding up to Rs 500: nil; above Rs 500: lower of 10% of statement balance or Rs 1,350 per statement
Cash advance fee
2.5% or Rs 650, whichever is higher (from 15 Jun 2026); cash withdrawal suspended for the first 6 months; cash limit up to 30% of credit limit
Eligibility
Age 21-60; minimum net salary Rs 1 lakh a month or ITR Rs 9 lakh and above; existing YES BANK credit cardholders not eligible. FD-backed variant exists (MITC).
Fine-print notes
Issuer product page read 12 Oct 2026: confirms fees (Rs 999 first year waived on Rs 20,000 retail spend in one month; Rs 999 renewal waived on Rs 2 lakh), 12/6/4 points per Rs 200, the 12,000-point cap, the 300-point utility cap and fuel waiver cap Rs 125. The movie offer has moved from BookMyShow (aggregator value) to District. Forex markup: the page does not state the current rate; its footnote says only that 2.75% applied before 15 Jun 2026. 2.75% is kept as the last known figure and stays unverified; sibling cards whose pages do state a current rate went up on that date (Reserv 1.75 to 2.00, Select 2.75 to 3.50, First Business 1.75 to 2.00, Prosperity Business 2.50 to 3.00), so the current rate is probably higher. International lounge access is advertised and domestic access is confirmed as spend-gated, but no visit counts appear in the page text. || Earlier notes: MITC v18 (file reference 05102026): rent (MCC 6513) fee is the greater of 1% or Rs 199 above Rs 1,000, max 5 rent transactions per 30 days; wallet loads above Rs 2,000 charged 1%; education via third-party apps 1% + GST; utilities 1% + GST once the month's cumulative spend crosses the card's threshold (Rs 25,000); fuel 1% + GST on a single transaction above Rs 10,000 or cumulative above Rs 25,000 a month; tolls and railways also carry 1% beyond thresholds. Overlimit Rs 550 + GST per transaction (from 1 Jun 2026). Reissue Rs 199 + GST. Dynamic currency conversion: 1% + GST on INR-billed transactions at overseas merchants. Existing YES Bank credit cardholders are reported as ineligible for a second card. Forex markup corrected after an independent check on 11 Oct 2026: the MITC row shows the markup (2.75%) and, beside it, the dynamic currency conversion charge; the first pass had recorded the second figure. FD-backed variant is charged 2.49% a month interest. 12 Oct 2026: that correction was itself wrong. The MITC prints the rate before and from 15 Jun 2026 (2.75% then 3.0%); bank pages for Reserv, Select, First Business and Prosperity Business confirm the later figure, so the later figure is restored here. Not stated on this card’s own page.
Questions
What is the annual fee of the YES Elite+ Credit Card?
Rs 999 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
Does the YES Elite+ Credit Card give airport lounge access?
Yes. In India: 2 per quarter (spend-gated). Outside India: 3 per year. Conditions: Domestic needs Rs 50,000 spend in the previous calendar quarter. Guests charged. International has no spend threshold.
What is the forex markup on the YES Elite+ Credit Card?
3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the YES Elite+ Credit Card?
From 15 Jun 2026 no points on rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, Post Purchase EMI and Instant EMI, insurance, education, railways, toll and ferry and jewellery (issuer page).