Yes Bank
YES Elite+ Credit Card
Your rating
Community rating
Joining Fee
₹999
Annual Fee
₹999
Reward Rate
0.5% – 1.5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.5% – 1.5%
Earn rate
36 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
0 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No Reward Points on fuel transactions, rental payments, wallet transactions, EMI spends, and cash withdrawals
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 4 complimentary domestic airport lounge visits per quarter (16/year)
- 6 YES Reward Points per ₹100 on dining, travel, entertainment
- 2 YES Reward Points per ₹100 on all other retail spends
- Annual fee waived on ₹2.5 lakh spend
- Fuel surcharge waiver
- ₹999 annual fee (if threshold not met)
- No international lounge access
- Points value modest (₹0.25/RP)
Who is this card for?
Mid-range spenders who frequently travel and want generous lounge access (4/quarter) at an affordable ₹999 annual fee. Best for those spending ₹20,000–₹50,000/month.
Quick Links
Data last updated 24 Mar 2026