In-depth review
YES Bank Elite+ Credit Card
A ₹999 YES Bank rewards card built for online spend — 12 points per ₹200 online (~1.2%), 6 offline, with domestic and international lounge access and a BookMyShow discount. The joining fee waives on ₹20k in the first month and renewal on ₹2 lakh a year, so it's good value if you clear those bars and redeem points for travel, not vouchers.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
1.2% on Online Shopping
12 YES Reward Points per ₹200 on online spends (~1.2% at ₹0.20/point; up to ~1.5% redeemed for flights/hotels), capped at 12,000 points a statement cycle
0.6% on Other
6 YES Reward Points per ₹200 offline (~0.6%); redeemable on YES rewardz — best value on flights/hotels
Airport Lounge Access
2 complimentary domestic lounge visits per quarter (unlocked by ₹50,000 spend in the prior quarter) plus 3 international lounge visits a year; guests are charged
Annual Fee Waiver
Fee of ₹999 + 18% GST (₹1,179 all-in)/yr fully waived when you spend ₹2,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹125/month
Movie Ticket Benefit
25% discount on movie tickets via BookMyShow, capped at ₹250 per calendar month
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
✓
International lounges
₹7,000
Estimated annual value
3%
Forex markup
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹7,000)
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 25% discount on movie tickets via BookMyShow, capped at ₹250 per calendar month
For an online-heavy spender who will clear ₹20,000 in the first month (waiving the joining fee) and ₹2 lakh a year (waiving renewal), and who will use the lounges and movie discount. Less suited to someone with mostly offline or utility spend, where the earn drops, or with spend concentrated in excluded categories like rent, fuel, insurance and education.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 1.2%6 pts/₹100 × ₹0.20 | ₹2,400 |
| Other | reward points | 0.6%3 pts/₹100 × ₹0.20 | — |
| Utility Bills | reward points | 0.4%2 pts/₹100 × ₹0.20 | ₹60 |
Online Shopping: 12 YES Reward Points per ₹200 on online spends (~1.2% at ₹0.20/point; up to ~1.5% redeemed for flights/hotels), capped at 12,000 points a statement cycle
Other: 6 YES Reward Points per ₹200 offline (~0.6%); redeemable on YES rewardz — best value on flights/hotels
Utility Bills: 4 YES Reward Points per ₹200 on Select categories — utilities (MCC 4900) and cable/streaming (4899), capped 300 points a cycle (MITC v18 p10)
Earns nothing on: Rent · Wallet Loads · Fuel · Government & Tax · Insurance · Education · EMI Conversions · Cash Advances · Railways · Tolls & Road Fees · Ferry · Jewellery · Marketing and advertising
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,179 |
| Joining fee (incl. 18% GST) | ₹1,179 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3% |
| Fuel surcharge waiver | 1%, cap ₹125 |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹11,000/yr in total.
2 complimentary domestic lounge visits per quarter (unlocked by ₹50,000 spend in the prior quarter) plus 3 international lounge visits a year; guests are charged
25% discount on movie tickets via BookMyShow, capped at ₹250 per calendar month
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹125 a month
Should you get it?
- Best for: Online-heavy spenders who will hit the early and annual spend thresholds, Users who want both domestic and international lounge access at a low fee, Regular BookMyShow moviegoers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (1.2% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 12 points per ₹200 online — a genuine ~1.2%, up to ~1.5% on travel redemptions
- Joining fee waived on ₹20,000 spend in the first 30 days
- Domestic and international airport lounge access
- 25% BookMyShow discount and a fuel surcharge waiver
✕ Cons
- Domestic lounge access is spend-gated (₹50,000 in the prior quarter)
- Offline and utility earn is modest (0.6% and 0.4%); rent, fuel, wallet, insurance and education spends earn nothing
- Points lose value on gift vouchers; a ₹100 + GST fee applies per redemption request
- Renewal fee needs ₹2 lakh annual spend to waive
- Existing YES Bank credit cardholders are not eligible to apply
Eligibility & documents
This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem YES Reward Points on the YES rewardz portal for flights and hotels (best value)
- 🎁Gift vouchers, products and statement credit (lower value)
- 🎁A ₹100 + GST fee applies per redemption request (a ₹99 + GST convenience fee applies to flight bookings made with points)
- 🎁YES Reward Points expire 3 years after accrual
What your YES Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 50% of the point balance; ₹100 + GST per redemption request
Capped at 50% of the balance and ₹25,000 a calendar month
YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
Domestic lounge access is spend-gated (₹50,000 in the prior quarter), the offline and utility earn is modest, rent, fuel, wallet, insurance and education spends earn nothing, and points lose value if redeemed for gift vouchers rather than flights/hotels — plus a ₹100 + GST per-request redemption fee.
Frequently asked questions
How much does the Elite+ earn?
What income does the Elite+ require?
How are the fees waived?
What lounge access does it offer?
How do I redeem the points?
How has the YES Bank Elite+ Credit Card changed over time?
Has the YES Bank Elite+ Credit Card been devalued recently?
When did the YES Bank Elite+ Credit Card's fees last change?
How did the YES Bank Elite+ Credit Card change in 2026?
The bottom line
A capable ₹999 rewards card if you spend online and hit its thresholds. 12 points per ₹200 online is a genuine ~1.2%, the ₹20,000 first-month spend waives the joining fee, and ₹2 lakh a year waives renewal — realistic bars for the target user. Lounge access (2 domestic a quarter, spend-gated; 3 international a year) and the BookMyShow discount round it out. The weak spots are the modest offline and utility earn, the exclusion list (rent, fuel, insurance and education among them) and the ₹100 + GST per-request redemption fee — redeem for flights/hotels, not vouchers.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the YES Bank Elite+ Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Cash-advance, auto-debit-failure, cash-deposit and reissuance fees raised
Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · cash deposit ₹100 · reissuance ₹100→Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · cash deposit ₹500 · reissuance ₹199
The same MITC revision lifts the charges that bite when things go wrong: the cash-advance minimum rises from ₹500 to ₹650, the auto-debit-failure charge from 2% or ₹450 to 2.5% or ₹500, branch cash-deposit repayment from ₹100 to ₹500, and plastic-card reissuance from ₹100 to ₹199 (all plus GST). None of these touch the earn rate, but they raise the cost of a slip.
Verification: YES Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Jun 2026
Forex markup raised from 2.75% to 3.00%
2.75%→3.00%
YES Bank's MITC v18 raises the Elite+ foreign-currency markup from 2.75% to 3.00% with effect from 15 June 2026. On ₹1,00,000 of overseas or foreign-merchant spend that is an extra ₹250 before GST — the card's ~1.2% online earn no longer comes close to covering the markup abroad.
Verification: YES Bank ↗ · Confidence: High
- ▼ BenefitEffective 15 Jun 2026
Fuel surcharge waiver window narrowed
₹400 to ₹5,000 per transaction→₹500 to ₹4,000 per transaction
From 15 June 2026 the 1% fuel surcharge waiver on the Elite+ applies only to transactions between ₹500 and ₹4,000, down from ₹400 to ₹5,000. Small top-ups under ₹500 and full-tank fills above ₹4,000 now fall outside the waiver; the per-cycle waiver cap is unchanged.
Verification: YES Bank ↗ · Confidence: High
- ▼ RewardEffective 15 Jun 2026
Reward exclusions widen; select categories shrink to utilities + streaming
Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education→No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899)
Effective 15 June 2026 YES Bank stopped awarding YES Rewardz on insurance, education, railway, toll, ferry and jewellery transactions — on top of the existing rent, wallet, fuel, government, marketing/advertising, cash and EMI exclusions. The half-rate "select categories" tier was simultaneously narrowed to utilities (MCC 4900) and cable/streaming services (MCC 4899) only. The card's own page publishes the new lists.
Verification: YES Bank ↗ · Confidence: High
- ◆ BenefitEffective 1 Jun 2026
Over-limit facility reinstated, at ₹550 a time
Withdrawn — spends above the limit declined→Available again, ₹550 + GST per instance
Thirteen months after withdrawing it, YES Bank brought the over-limit facility back from 1 June 2026: eligible cardholders can again transact above their sanctioned limit, but each such instance now carries a ₹550 + GST charge. Eligibility is set by the bank's own risk view, not by the card.
Verification: YES Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/yes-elite-plus#value-timeline">YES Bank Elite+ Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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