Yes Bank Elite Credit Card

Issued by Yes Bank · Terms last verified 27 Oct 2026

Fees

Joining fee
First year membership fee. Waived when monthly eligible spend is at least ₹20,000. Waived when monthly eligible spend is at least ₹20,000.
Renewal fee
Renewal membership fee. Waived when yearly spend is at least ₹2,00,000. Waived when yearly spend is at least ₹2,00,000.

Online & Offline spends

Spend Rate Cap
Online spends 12 YES Rewardz Points per ₹200 No stated cap
Offline spends 6 YES Rewardz Points per ₹200 No stated cap
Online spends 12 + 12 YES Rewardz Points per ₹200 — With Subscription Plan 1. No stated cap
Offline spends 6 + 12 YES Rewardz Points per ₹200 — With Subscription Plan 1. No stated cap

Travel

Spend Rate Cap
Flights 12 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Online only. No stated cap
Hotels 12 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Online only. No stated cap
Bus 12 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Online only. No stated cap
Flights, Hotels, Bus 6 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Offline only. Up to 75,000 YES Rewardz Points per month

Dining & Entertainment

Spend Rate Cap
Dining 12 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Online only. No stated cap
Dining 6 + 24 YES Rewardz Points per ₹200 — With Subscription Plan 2. Offline only. No stated cap

Bills & Utilities

Spend Rate Cap
Telecom 4 YES Rewardz Points per ₹200 No stated cap
Utilities 4 YES Rewardz Points per ₹200 No stated cap
Telecom 4 + 8 YES Rewardz Points per ₹200 — With Subscription Plan 1. No stated cap
Utilities 4 + 8 YES Rewardz Points per ₹200 — With Subscription Plan 1. No stated cap

Earns no rewards on

Rent, Wallet load, Fuel, Government/Tax Spend, Insurance, Education, Trains, Toll, Jewellery

Surcharge waivers

  • Fuel surcharge waiver — 1% fuel surcharge waiver at fuel stations across India for eligible fuel transactions. Capped at Up to ₹125 per statement cycle. Waived when transaction amount is at least ₹500, transaction amount is up to ₹4,000.

Redeeming rewards

  • Flight and hotel bookings — ₹0.25 each
  • Products and vouchers — ₹0.10 each
  • Statement credit — ₹0.10 each
  • Air Maharaja — ₹0.08 each

Benefits

Golf
Waiver of 4 green fees at select golf courses in India and 1 complimentary golf lesson every calendar month at select golf courses in India.
Movies
25% discount on movie tickets booked on District app or website, capped at INR 250 per calendar month.
Fuel Waiver
1% fuel surcharge waiver at fuel stations across India for transactions between INR 500 and INR 4,000, capped at INR 125 per statement cycle.
Airport Lounge
2 complimentary domestic airport lounge visits in India per calendar quarter for the primary cardmember, subject to spend threshold, plus access to participating international airport lounges.
Milestone Benefits
Domestic lounge access is subject to meeting spend threshold.

Eligibility

  • None
    • Age Years: 21 to 60
    • Employment: Salaried
    • Monthly income: At least ₹1,00,000
  • None
    • Age Years: 21 to 60
    • Employment: Self Employed
    • Annual Gross Income: At least ₹9,00,000
  • Applicants already holding any YES BANK credit card are not eligible for this card.
    • Existing card with this bank: Yes

Sources

Everything above is extracted from the following issuer documents. Where a figure here and the issuer's page disagree, the issuer's page is authoritative.

  1. https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card — Issuer page, retrieved 2026-10-27 (sha256 69af89ed…)
  2. https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/credit-card-services/rewards-subscription-plan — Issuer page, retrieved 2026-10-27 (sha256 ba723a84…)
  3. ybl_mitc_pdf.pdf — Terms PDF, retrieved 2026-10-27 (sha256 cc1f6c39…)
  4. redemption_rules.pdf — Terms PDF, retrieved 2026-10-27 (sha256 78933fee…)

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