Planning a holiday, shopping online, or simply looking for a credit card that offers more than basic rewards? The YES BANK ELITE+ Credit Card is designed for customers who want a combination of online shopping rewards, airport lounge access, movie discounts, travel benefits, and lifestyle privileges without paying a very high annual fee.
The card comes with a ₹999 joining fee and ₹999 annual renewal fee. However, YES BANK currently offers a joining-fee waiver when you spend ₹20,000 within the first 30 days of card issuance.
YES BANK ELITE+ Credit Card Recap
| Feature | Details |
| Credit Card | YES BANK ELITE+ |
| Joining Fee | ₹999 + applicable taxes |
| Renewal Fee | ₹999 + applicable taxes |
| First-Year Fee Waiver | Spend ₹20,000 within first 30 days |
| Renewal Fee Waiver | Spend ₹2 lakh during card anniversary year |
| Movie Benefit | 25% off on BookMyShow |
| Card Type | Premium lifestyle credit card |
What Makes YES BANK ELITE+ Different?
Many credit cards concentrate on just one benefit—for example, cashback, fuel savings or airline miles.
ELITE+ takes a broader approach.
You can earn rewards when shopping online, use airport lounges when travelling, receive movie-ticket discounts and access selected golf privileges. There is also a 2.75% foreign-currency conversion charge, which can be relevant for international travellers comparing cards.
This makes the card more suitable for people whose spending is spread across different categories.
YES BANK ELITE+ Reward Points
The strongest feature of the card is arguably its online-spending reward rate.
| Spending Type | Reward Rate |
| Online Shopping | 12 points/₹200 |
| Offline Shopping | 6 points/₹200 |
| Select Categories | 4 points/₹200 |
YES BANK states that online shopping rewards are capped at 12,000 YES Rewardz Points per statement cycle. The bank also states that one YES Rewardz Point can be worth up to ₹0.25 depending on the redemption option.
YES BANK ELITE+ Airport Lounge Access
For frequent travellers, lounge access can make a credit card more valuable.
The ELITE+ card currently provides:
Domestic Airport Lounges
2 complimentary visits per quarter for the primary cardholder, subject to the applicable spending requirement.
That means you could potentially use up to 8 domestic lounge visits in a year if you satisfy the conditions for each quarter.
Also Read: 5 Best Credit Cards for Domestic Travel
International Airport Lounge Access
ELITE+ also offers 3 complimentary international airport lounge visits in 12 months for the primary cardholder. YES BANK’s current value chart lists this benefit separately from domestic lounge access.
For someone taking one or two international trips a year, this can be useful.
However, lounge availability depends on the participating lounge network and applicable terms, so it is sensible to check the available lounges before travelling.
BookMyShow Movie Discount
Movie lovers get a recurring entertainment benefit. The card provides a 25% discount on BookMyShow movie tickets, with YES BANK’s value chart showing a maximum discount of ₹250 per month.
That means the maximum potential monthly saving from this benefit is:
₹250 × 12 = ₹3,000 per year
Of course, you receive the savings only if you use the offer and meet the applicable transaction conditions.
Fuel Surcharge Waiver
YES BANK’s current MITC lists a 1% fuel surcharge waiver for eligible transactions, with applicable transaction limits and conditions.
Foreign Currency Markup on ELITE+
If you travel outside India, the foreign-currency charge is worth checking before applying.
The current YES BANK Key Fact Statement lists the ELITE+ foreign-currency conversion charge at 2.75%.
For example, if you make eligible international transactions equivalent to ₹50,000:
₹50,000 × 2.75% = ₹1,375
This is only the markup calculation. Applicable taxes and the final currency-conversion treatment can affect the actual amount charged.
Golf Benefits
The card also targets lifestyle spending beyond shopping and travel.
YES BANK’s published ELITE+ information includes green-fee waiver benefits at select golf courses in India, subject to the relevant programme terms.
Purchase Protection
ELITE+ also includes purchase protection for eligible mobile and electronic devices purchased online.
YES BANK’s value chart describes protection against accidental damage for 6 months, subject to the applicable conditions and exclusions.
YES BANK ELITE+ Credit Card Fees
The card’s fee structure is relatively straightforward.
| Fee | Amount |
| Joining Fee | ₹999 + taxes |
| Renewal Fee | ₹999 + taxes |
| First-Year Fee Waiver | Spend ₹20,000 within 30 days |
| Renewal Fee Waiver | Spend ₹2 lakh during anniversary year |
YES BANK currently states that spending ₹2 lakh during the card anniversary year qualifies the cardholder for a waiver of the renewal fee for the subsequent year.
Also Read: Best UPI Credit Cards Under 500 Annual Fee
Documents Required
The exact documentation can vary depending on your application and YES BANK’s verification process.
Generally, applicants may be asked for:
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Driving Licence
- Other accepted KYC documents.
Address Proof
- Aadhaar
- Passport
- Driving Licence
- Utility bill or other accepted proof
Income Proof
Salaried applicants may need:
- Salary slips
- Bank statements
- Form 16 or other income documents
Self-employed Documents:
- 2 year ITR File
- 6 months Bank statements
How to Apply for YES BANK ELITE+ Credit Card Online
You can start by checking the card on YES BANK’s official credit card page. The process generally involves the following:
Step 1: Check the Current Offer
Review the current fees, rewards, lounge conditions and eligibility.
Step 2: Submit Your Details
Enter basic information such as your name, mobile number, income and employment details.
Step 3: Complete KYC
Submit the required identity and address information.
Step 4: Provide Income Details
The bank may ask for salary or income-related documents.
Step 5: Credit Assessment
YES BANK evaluates your application based on its internal credit policies.
Step 6: Verification
Additional verification may be carried out if required.
Step 7: Card Issuance
If approved, the card is issued according to the bank’s process.
Who Should Choose YES BANK ELITE+?
1. Frequent Online Shoppers
If a significant part of your spending happens online, the 12 points per ₹200 reward rate can be attractive.
2. Occasional Travellers
The international and domestic lounge benefits can be useful if you travel regularly enough to use them.
3. Movie Lovers
The BookMyShow discount provides a recurring benefit.
4. Golf Players
Golf-related privileges make the card more interesting for eligible golfers.
5. Customers Looking for a ₹999 Premium Card
If you want a combination of lifestyle and travel benefits without moving into a very high annual-fee category, ELITE+ may be worth considering.
YES BANK ELITE+ vs Regular Credit Card
| Feature | ELITE+ | Basic/Entry-Level Card |
| Annual Fee | ₹999 | Usually lower |
| Online Rewards | 12 points/₹200 | Depends on card |
| Domestic Lounge | 2/quarter with spend condition | Depends on card |
| International Lounge | 3/year | Usually limited/unavailable |
| Movie Discount | Yes | Depends on card |
| Golf Benefit | Yes | Usually unavailable |
| Forex Markup | 2.75% | Varies |
| Lifestyle Benefits | More extensive | Usually fewer |
The right choice depends on your spending rather than the card’s premium label.
Also Read: 5 Best Credit Cards for Everyday UPI Payments
How to Get Maximum Value From ELITE+
If you already use the card, a few simple habits can improve its value.
Use It for Eligible Online Purchases
The online reward rate is one of the card’s strongest features.
Plan Lounge Eligibility
If you want domestic lounge access, monitor your previous-quarter spending and the ₹50,000 threshold.
Use the Movie Offer
If you regularly watch movies, the monthly BookMyShow discount can help recover part of the annual fee.
Use International Lounge Visits Wisely
Keep track of your three annual international visits.
Don’t Carry Revolving Debt
Pay your statement balance on time whenever possible.
Track Reward Expiry and Redemption
YES BANK’s terms should be checked for the applicable validity and redemption rules before allowing points to sit unused.