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YES Bank ELITE+ Credit Card

YES Bank ELITE+ credit card, previously known as YES Premia card, offers exclusive benefits including lounge access, rewards on spendings, movie benefits and many more.

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What is YES Bank ELITE+ Credit Card

YES Bank ELITE+ credit card was previously known as YES Premia card. The card offers a host of benefits that include accelerated reward points on online and offline shopping, discounts on movie tickets, complimentary airport lounge access, golf program, fuel surcharge waiver, and many more. 

The card offers a low foreign transaction fee of 2.75% and charges 3.99% per month on overdue amount. Cardholders can make safe and contactless transactions using this card due to its NFC-enabled technology and MasterCard SecureCode. 

Features and Benefits of YES Bank ELITE+ Credit Card

YES Bank ELITE+ credit card comes with multiple features and offers exclusive benefits including rewards, cashback, and many more. Here is the list of features and benefits of YES Bank ELITE+ credit card:

  1. Offers reward points on online shopping.
  2. MasterCard Secure Code offers secured transactions.
  3. On the purchase of movie tickets from BookMyShow a 25% discount will be offered.
  4. Charges 2.75% as foreign currency markup.
  5. Ensures contactless transaction with NFC-enables technology.
  6. Offers lost card liability and credit shield coverage of Rs.3 lakh
  7. The card offers waiver of four Green Fee and one complimentary golf lessons every calendar month at selected golf courses in India.
  8. International airport lounges offered for Visa and Master card users.
  9. For primary cardmember, two domestic airport lounge visits will be offered per calendar quarter in India.
  10. For transaction between Rs.400 to Rs.5,000, cardholders will get 1.00% fuel surcharge waiver at fuel stations across India. 
  11. On every Rs.200 spent on online shopping, offline shopping and other selected categories, cardholders will earn 12, 6 and 4 reward points, respectively.

Note:

  1. Reward points will not be offered for cash withdrawal, fuel transactions, and on transactions that are converted into EMI.
  2. Per statement cycle, cardholders can earn a maximum of 12,000 reward points.
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YES Bank ELITE+ Credit Card Fees and Charges

The fees, charges and interest rates applied on various transactions made using YES Bank ELITE+ credit cards are given in the table below:

Type of Fee

Amount

First Year Membership Fee Reversal condition

First Year Membership Fee of Rs.999 plus applicable taxes

Note: First Year membership fee will be waived off on total retail spends of Rs.20,000 within 30 days

Renewal Fee

Rs.999 plus applicable taxes, waived if Rs.2 lakh is spent previous year

Foreign currency mark-up charge

2.75% on the transaction amount

Interest rate

  1. Overdue amount: 3.99% per month
  2. Wallet transactions: 1.00% of transaction value or Rs.1, whichever is higher
  3. Rental transactions: 1.00% of transaction value or Rs.199, whichever is higher

Utility charges

On spends above Rs.15,000 in a month, 1.00% plus applicable GST (Goods and Services Tax) will be levied on all utility transactions.

Note: Fee capped per calendar month is Rs.3,000.

Education Fee payment Charges

On education transactions done through third-party websites and applications, such as No-broker, Cheq, Housing.com, CRED, PhonePe, 1.00% plus applicable GST will be applicable.

Note: Fee capped per calendar month is Rs.5000.

Fuel Transaction Charges

On every fuel transaction of value greater than Rs.10,000, 1.00% plus applicable GST will be applicable.

Note: Total Fuel Transaction charges capped per calendar month is Rs.5,000 per customer.

Note: Education fee payment charges and fuel transactions charges are applicable from 1 October 2024.

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Eligibility Criteria for YES Bank ELITE+ Credit Card

To become eligible for YES Bank ELITE+ Credit Card, you need to meet the following eligibility criteria:

  1. You should be at least 21 years of age.
  2. You should not be over 60 years.
  3. You should be salaried or self-employed.
  4. Your minimum net monthly salary should be Rs.1 lakh per month or Income Tax Return of Rs.9 lakh and above.

Documents Required for YES Bank ELITE+ Credit Card

The following is the list of documents required to apply for YES Bank ELITE+ credit card:

Address proof

  1. Passport
  2. Utility bill, such as Telephone bill, Electricity bill, which is not more than three months old.
  3. Passport
  4. Voter ID card
  5. Ration card
  6. Aadhaar card
  7. Property Registration Document
  8. Person of Indian Origin Card
  9. Job card issued by NREGA
  10. Bank Account Statement or any other address proof approved by government

Identity Proof

  1. Passport
  2. PAN Card
  3. Aadhaar card
  4. Voter's ID card
  5. Driving Licence
  6. Overseas Citizen of India Card
  7. Person of Indian Origin Card
  8. Job card issued by NREGA
  9. Letters issued by the UIDAI or any other government approved photo ID proof

Income proof (For salaried)

  1. Recent pay slips not more than three months old
  2. Latest Form 16
  3. Last three months bank statements
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Yes Bank Customer Care/ Complaints

FAQs on YES Bank ELITE+ Credit Card

  • Is there a maximum limit for the fuel surcharge waiver offered by my card?

    Yes, the maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.

  • Should I pay a reward redemption fee while I redeem the accumulated points on my YES Bank ELITE+ Credit Card?

    Yes, you will have to pay a fee of Rs.100 per redemption request while redeeming your reward points on YES Bank ELITE+ credit card.

  • What is the interest rate that is levied on the overdue amount for YES Bank ELITE+ credit card?

    For YES Bank ELITE+ credit card the interest rate that is levied on the overdue amount, cash advance or revolving credit is 3.99% per month (47.88% per year). 

  • Is there any processing fee levied if I avail the YES Bank ELITE+ credit card?

    No processing fee is required to avail yourself of the YES Bank ELITE+ credit card.

  • Does YES Bank ELITE+ credit card offer airport lounge facility?

    Yes, YES Bank ELITE+ credit card provides international and domestic airport lounge access to cardholders. Primary cardholders are offered with two domestic airport lounge visits in India per calendar quarter, while international airport lounge access is provided to Visa and Master cardholders.

  • Can I waive off my renewal membership fee for YES Bank ELITE+ credit card?

    Yes, you can waive off your renewal membership fee for YES Bank ELITE+ credit card on a total retail spend of Rs.2 lakh in a year.

  • Will I have to pay additional charges for utility bill payment through YES Bank ELITE+ credit card?

    Yes, for a utility bill more than Rs.15,000 a month you will have to pay an additional charge of 1.00% plus GST (Goods and Services Tax). 

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