YES Bank Elite+ Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹999
₹999
2.75%
11 visits/yr
Contents
YES Bank Elite+ Visa Credit Card (earlier YES Premia) is a mid–premium lifestyle and rewards card designed for high-income users who spend heavily on online shopping, travel and everyday lifestyle expenses. You earn accelerated YES Rewardz on online transactions and regular rewards on offline spends, along with exclusive benefits like domestic and international airport lounge access, golf privileges and BookMyShow movie offers. With a competitive 2.75% forex markup, 1% fuel surcharge waiver and the option to boost rewards via 3X or 5X subscription plans, this card aims to maximise value-back for digitally savvy professionals and frequent travellers who can comfortably meet the ₹1 lakh per month income requirement.
Features of YES Bank Elite+ Visa Credit Card which makes it unique
High Online Rewards Focus
12 YES Rewardz Points per ₹200 on online shopping helps maximise value-back on e-commerce, travel and digital payments.
Great for users who spend heavily online on flights, hotels, food delivery, OTT, fashion and bill payments.
Online earn rate is stronger than many competing mid–premium rewards cards in the ₹1,000 fee segment.
Reward Subscription Multipliers
Optional 3X and 5X YES Rewardz subscription plans allow frequent spenders to supercharge their reward earnings.
Lets you turn Elite+ into a powerful high-reward engine if your monthly spends are consistently high.
Very few cards in this fee bracket offer paid reward boosters that scale this aggressively with spend.
Rewards Structure of YES Bank Elite+ Visa Credit Card
Online Shopping
acceleratedAll eligible online retail transactions on e-commerce, travel and bill payment platforms, excluding restricted categories as per T&Cs.
Effective value-back of around 1.5% on online spends assuming 10 YES Rewardz = 1 InterMile or 1 Club Vistara point.
Offline Spends
baseRegular point-of-sale swipes at supermarkets, retail stores, dining, fuel and local merchants, excluding select categories.
Approximate value-back of 0.75% on general offline spends when redeeming for travel or partner conversions.
Select Categories
baseUtilities, education, government payments, insurance premiums, wallet loads and other low-margin categories defined by YES Bank.
Designed to still give some YES Rewardz on categories where many cards give zero rewards, though at a lower earn rate.
Rewards Subscription Plan 3X
acceleratedOpt-in paid subscription for Elite+ cardholders to earn 3X YES Rewardz on eligible spends.
Best suited for high spenders who can offset the subscription fee of around ₹1,500 per year through extra rewards.
Rewards Subscription Plan 5X
acceleratedOpt-in premium subscription that boosts YES Rewardz earnings up to 5X on eligible transactions.
Ideal only if you are a very heavy spender in reward-earning categories and can fully utilise the higher multiplier.
Milestones of YES Bank Elite+ Visa Credit Card
Joining Fee Reversal
₹20,000 : First-year membership fee of ₹999 + taxes reversed on achieving ₹20,000 eligible retail spends within 30 days of card setup.
Annual Fee Waiver
₹2,00,000 : Second-year and subsequent renewal fee of ₹999 + taxes waived when you spend ₹2,00,000 or more in the preceding card membership year.
Fees & Charges of YES Bank Elite+ Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 2.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,350 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee of ₹999 + taxes waived on achieving ₹2,00,000 eligible retail spends in the previous card membership year.
Fee Explanation Standard YES Bank credit card charges apply, including 3.80%–3.99% p.m. interest on revolving and overdue balances, late payment and overlimit fees as per the latest Key Fact Statement.
Detailed Explanation of YES Bank Elite+ Visa Credit Card Fees
Joining Fee: ₹999 + taxes (one-time)
Waived if you spend ₹20,000 or more on eligible retail transactions within 30 days of card issuance.
Renewal Fee: ₹999 + taxes (yearly)
Waived on achieving ₹2,00,000 eligible retail spends in the previous card membership year.
Finance Charges: 3.80%–3.99% per month (monthly)
Applicable on revolving credit, cash advances and overdue amounts as per the latest schedule of charges.
Cash Advance Fee: 2.5% of withdrawn amount, min ₹500 (per transaction)
Interest accrues from the date of cash withdrawal until full payment is made.
Late Payment Charges: Up to ₹1,350 per statement cycle (per statement)
Nil for total outstanding up to ₹500; above ₹500, 10% of total outstanding or ₹1,350, whichever is lower.
Overlimit Fee: ₹500 (per statement)
Charged when total outstanding exceeds the sanctioned credit limit, only if overlimit consent is provided.
Fuel Surcharge Waiver: 1% surcharge reversal (per statement)
Valid on fuel transactions between ₹400 and ₹5,000 across all fuel pumps in India; waiver capped at ₹250–₹500 per billing cycle as per latest bank policy.
Reward Redemption Fee: ₹100 + taxes (per redemption request)
Applicable when redeeming YES Rewardz points through the YES Rewardz portal or partner platforms.
Lounge Access Benefits with YES Bank Elite+ Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic airport lounge visits per calendar quarter for the primary cardholder on the Elite+ Visa variant, subject to minimum ₹50,000 spends in the preceding quarter.
international Lounges
silverVisits per year: 3
Guest access: No
Complimentary international lounge visits per year at participating Visa network lounges; visits and partner list may change as per Visa/YES Bank policy.
Insurance Coverage with YES Bank Elite+ Visa Credit Card
Credit Shield Cover
Up to ₹2,50,000Cover payable in case of accidental death of the primary cardholder, helping to settle outstanding credit card dues as per policy terms.
Lost Card Liability
Up to ₹3,00,000Protection against unauthorised transactions made after reporting card loss to YES Bank; subject to exclusions and claim process.
Additional Features of YES Bank Elite+ Visa Credit Card
Contactless Payments
Tap-to-pay enabled YES Bank Elite+ Visa Credit Card for faster, secure payments at NFC-enabled terminals.
Per-transaction limits for contactless payments without PIN as per RBI and YES Bank guidelines.
YES Rewardz Portal Access
Redeem YES Rewardz points for flights, hotels, gift vouchers, merchandise and more via the YES Rewardz portal.
Reward catalogue, partners and point value are dynamic and may change without prior notice.
EMI Conversion
Convert eligible high-value retail purchases into easy EMIs directly from your statement or via YES Bank channels.
Processing fee and EMI interest rate apply; eligible transaction size and tenure as per current bank policy.
Add-on Cards
Get up to 3 add-on credit cards for family members to share Elite+ Visa benefits.
Primary cardholder remains responsible for all spends on add-on cards; KYC required for each add-on holder.
Welcome Bonus with YES Bank Elite+ Visa Credit Card
Welcome Bonus: NA
Bonus Conditions: Welcome offers change frequently; check latest YES Bank Elite+ Visa promotions for bonus YES Rewardz or joining fee reversals before applying.
Application Process for YES Bank Elite+ Visa Credit Card
Processing Time
Typically 5–7 working days after successful KYC and internal checks.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank website and navigate to the YES Bank Elite+ Credit Card product page or use a trusted comparison site to start your application.
Click on the apply button and fill in basic details such as name, mobile number, PAN, income and city to check preliminary eligibility.
Complete the detailed online application form, upload your KYC and income documents or schedule a pickup for physical document collection.
YES Bank performs internal credit checks, verifies documents and assesses your eligibility and credit limit.
On approval, your Elite+ Visa Credit Card is dispatched to your registered address and can then be activated via YES Online, YES Mobile app or customer care.
Required Documents for YES Bank Elite+ Visa Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
YES Bank Elite+ Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
High domestic acceptance across POS terminals, online payment gateways and UPI-linked merchants in India where Visa credit cards are supported.
International Acceptance
Widely accepted at international POS, e-commerce sites and ATMs across the Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank Elite+ Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
730+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹900,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be salaried or self-employed with a stable income, clean credit history, valid PAN, Aadhaar and address proof; final approval as per YES Bank’s internal policy.
How Approval Is Decided
- Minimum age 21 years and maximum 60 years at the time of application.
- Indian resident with stable employment or business and verifiable income.
- Net monthly income of at least ₹1,00,000 for salaried or annual ITR of ₹9,00,000 or above for self-employed applicants.
- Strong credit score and clean repayment history across existing loans and credit cards.
- Satisfactory internal risk assessment and documentation as per YES Bank credit policy.
Pros of YES Bank Elite+ Visa Credit Card
- Excellent reward rate on online shopping and decent value-back on everyday offline spends via YES Rewardz Points.
- Complimentary domestic and international airport lounge visits under the Visa lounge program for frequent travellers.
- Lifestyle perks like golf lessons, green fee waivers and BookMyShow movie discount add extra non-monetary value.
- Fuel surcharge waiver and moderate forex markup make it suitable for both domestic driving and international trips.
- Option to upgrade rewards earn rate significantly using 3X/5X subscription plans if your annual spends are high.
Cons of YES Bank Elite+ Visa Credit Card
- High income requirement of at least ₹1,00,000 net monthly salary or ₹9,00,000 ITR restricts eligibility to upper income users.
- Effective reward rate on base offline and select categories is modest if you do not opt for paid reward subscription plans.
- Complimentary lounge access is subject to quarterly minimum spend conditions and is limited for international visits.
- Reward redemption incurs a fee per request, slightly reducing net value-back for users who redeem small amounts frequently.
Frequently Asked Questions about YES Bank Elite+ Visa Credit Card
What is the joining and annual fee for the YES Bank Elite+ Visa Credit Card?
The YES Bank Elite+ Visa Credit Card charges a first-year joining fee of ₹999 + taxes and a renewal fee of ₹999 + taxes from the second year onward. The joining fee is reversed if you spend ₹20,000 within 30 days, and the renewal fee is waived when you spend ₹2,00,000 or more in the previous year.
How do YES Rewardz Points work on the Elite+ Visa Credit Card?
You typically earn 12 YES Rewardz Points per ₹200 on eligible online spends, 6 points per ₹200 on most offline retail spends and 4 points per ₹200 on select lower-margin categories such as utilities, education, insurance and government payments. Points can be redeemed via the YES Rewardz portal for travel, vouchers, merchandise or partner airline conversions where 10 YES Rewardz Points usually equal 1 InterMile or 1 Club Vistara point.
What lounge access benefits do I get with YES Bank Elite+ Visa Credit Card?
Elite+ Visa offers up to 8 complimentary domestic airport lounge visits per year (2 per calendar quarter) for the primary cardholder and up to 3 complimentary international lounge visits annually through the Visa lounge program. Domestic lounge access usually requires at least ₹50,000 spends in the preceding quarter, and guest visits are chargeable as per lounge rates.
What is the income and eligibility criteria for YES Bank Elite+ Visa Credit Card?
To qualify, you should be an Indian resident between 21 and 60 years of age with a good credit profile. Salaried applicants typically need a minimum net monthly income of ₹1,00,000, while self-employed individuals should have an annual ITR of at least ₹9,00,000. Final approval, credit limit and network variant remain at YES Bank’s discretion.
Is the YES Bank Elite+ Visa Credit Card good for international travel and forex spending?
Yes, the card is suitable for international use thanks to the Visa network’s global acceptance, a competitive foreign currency markup of 2.75% on international transactions and complimentary international lounge visits. However, if you frequently spend in foreign currency, you may still want to compare Elite+ with ultra-premium low-forex cards to see which offers better total value for your profile.
Does the YES Bank Elite+ Visa Credit Card offer a fuel surcharge waiver?
Yes, the Elite+ Visa provides a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000 at fuel stations across India. The waiver is subject to a maximum cap per billing cycle as per YES Bank’s latest schedule of charges and does not reverse the GST component on the surcharge.
Who should apply for the YES Bank Elite+ Visa Credit Card and who should avoid it?
You should consider Elite+ Visa if your monthly income is at least ₹1 lakh, you spend heavily on online shopping, flights, hotels, fuel and lifestyle categories, and you value lounge access and golf benefits. Budget users, those with lower income or very low monthly spends, and users looking purely for high flat cashback without redemption fees may find simpler cashback or entry-level rewards cards more suitable.
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