ELITE+
Base Rate
0.75%
Forex Markup
2.75%
Joining Fee
₹999
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹1,125
After ₹999 annual fee deduction
Base Rewards
₹1,125
Forex Net
+₹0
Milestones
₹999
Milestone Progress
Annual fee of ₹999 waived on spending ₹2L annually
Spend ₹2L annually
📝 Detailed Review
The CardVault Verdict
The YES Bank ELITE+ Credit Card (formerly YES Premia/Elite) is a reliable entry-premium lifestyle card offering solid value for online shopping (1.5% return) and golf access. It also includes international lounge visits (3 per year) which is uncommon at a ₹999 fee level. However, its offline reward rate is low, rewards are capped monthly, and major spending categories like rent, utilities, and insurance have been excluded from earning points.
Who Should Apply?
Apply if you want a budget-friendly lifestyle card with golf privileges and international lounge access, and can comfortably spend ₹2L annually to waive the fee. If you prefer high cashback on all online spends, SBI Cashback or HSBC Live+ offer better returns.
Lounge Access
Unconditional Access
No minimum spend required to unlock lounge visits.
Visits / Year
11visits
Supported Networks
Additional Notes
2 domestic visits per quarter, plus 3 international visits per year.
⚖️ Pros & Cons
✓Pros
- •Reasonable annual fee of ₹999 with a low waiver threshold of ₹2 Lakhs
- •Decent 1.5% reward rate on online shopping spends
- •Complimentary domestic (8/year) and international (3/year) lounge access
- •4 complimentary golf rounds per year and 1 lesson per month
- •25% discount on movie tickets booked via BookMyShow
✗Cons
- •Relatively low 0.75% offline reward rate
- •Points earning is capped at 12,000 points per statement cycle
- •No reward points on utility, fuel, rent, insurance, and education transactions
- •Standard 2.75% forex markup fee
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.