YES Elite+ Credit Card
The YES Elite+ Credit Card delivers exceptional lounge value for its fee bracket — 4 complimentary domestic airport lounge visits per quarter (16 per year) via DreamFolks.
Travel & Lounge Fit Score
82/100
Joining Fee
₹999
Annual Fee
₹999
Reward Rate (%)
0.5 – 1.5
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
YES Elite+ Credit Card Benefits
YES Elite+ Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.5% – 1.5%
Earn rate
36 months
Point expiry
YES Elite+ Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
YES Elite+ Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
YES Elite+ Credit Card 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 8 Aug 2026
Calculate your exact earnings with YES Elite+ Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.