The YES BANK Elite+ Credit Card is a premium card that YES BANK is currently offering lifetime free for a limited period. For no fee you get 12 reward points per ₹200 online, 11 airport lounge visits a year including 3 international, 25% off BookMyShow tickets, golf perks and 24×7 concierge.
How the rewards work
| Where you spend | What you earn |
|---|---|
| Online spends | 12 reward points per ₹200 |
| Offline retail | 6 reward points per ₹200 |
| Select categories | 4 reward points per ₹200 |
| Redemption | Travel, vouchers and premium merchandise |
Good to know: the offer data does not give a rupee value per point. Check the redemption catalogue on YES BANK’s site, as travel redemptions often give better value than merchandise.
What you would actually earn
Spend ₹30,000 a month online and ₹20,000 offline, and you earn 1,800 + 600 = 2,400 points a month, or 28,800 points a year. With no annual fee, every point you redeem is pure gain, and the lounge visits alone would cost thousands of rupees to buy.
Travel and lifestyle perks
- Lounges: 3 complimentary international visits a year and 2 domestic visits every quarter.
- Movies: 25% off tickets booked on BookMyShow.
- Golf: 4 complimentary green-fee waivers a year and 1 free golf lesson every month.
- Service: personalised customer service and 24×7 travel and lifestyle concierge.
- Forex: 2.75% markup on international transactions.
- Fuel: 1% surcharge waiver on ₹400–₹5,000, subject to a monthly cap.
Elite+ vs Select
| Elite+ | Select | |
|---|---|---|
| Online rewards | 12 points per ₹200 | 8 points per ₹200 |
| Offline rewards | 6 points per ₹200 | 4 points per ₹200 |
| Lounges a year | 3 international + 8 domestic | 4 domestic |
| Salaried income | ₹1 lakh a month | ₹50,000 a month |
As with any no-fee premium card, the main thing to watch is the lifetime free status, which is a limited-period offer. Confirm the fee terms on your welcome kit so there are no surprises later.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Forex markup | 2.75% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹1,00,000 a month or more |
| Income (self-employed) | ITR above ₹9 lakh a year |
| Credit score | 700 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on YES BANK site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you earn ₹1 lakh a month or more, travel a few times a year and want premium perks without paying a fee.
Skip it if you do not meet the income bar; look at YES BANK Select instead. And if you want simple cashback, a points card like this needs more effort to get full value.
