YES Bank ELITE Credit Card
Card Summary
YES Bank ELITE Credit Card offers premium travel and entertainment benefits with high rewards.
Quick Overview
Expert Review
YES Bank ELITE Credit Card is tailored for frequent travelers and premium spenders. It provides high reward rates, domestic and international lounge access, golf benefits, movie offers, and fuel surcharge waiver.
Key Features
YES Bank ELITE Credit Card is tailored for frequent travelers and premium spenders. It provides high reward rates, domestic and international lounge access, golf benefits, movie offers, and fuel surcharge waiver....
Key Highlights
Reward Rate
3-7%
Annual Fee
₹999 + GST
Rating
4.6/5
Category
Travel
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
High rewards
International lounge access
Limitations
Annual fee applicable
Fee and Charges
Joining Fee
₹999 + GST
Annual Fee
₹999 + GST
APR
43%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.50% |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 2.75% |
| Over Limit Penalty | 2.50% |
| Fuel Transaction Surcharge | 1% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | ₹0 |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | 3-7% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Frequent Travelers
Best for those who travel often and value premium benefits
How to Apply
Visit YES Bank website
Choose ELITE Credit Card
Apply online
Upload documents
Card approval & dispatch
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: Minimum ₹8 Lakhs/year
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport
Proof of Address
Aadhaar Card, Passport, Utility Bill
Proof of Income
Salary slips, Form 16, Bank statement
Expert Review
Detailed Analysis
The YES Bank ELITE Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With 3-7% rewards on eligible spends, it makes a compelling option for travel enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹999 + GST and other associated charges. These factors should be weighed against the benefits offered.
Overall, the YES Bank ELITE Credit Card is a great option for those who want a travel credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
Quick Stats
Best Suited For
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