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The YES Premia Credit Card, now known as the Yes Bank Elite Credit Card, is a premium card aiming at providing its cardholders with premium benefits & offers across various categories. It is issued at a joining fee of ₹999, on which you can get a waiver if you reach the total eligible spends of ₹20,000 within thirty days of card activation. Coming to its reward offers, you earn 12 Reward Points/₹200 spent for online shopping and 6 Reward Points/₹200 you spend offline. Moreover, you get a 25% discount on movies on BookMyShow with this card.

The YES Elite+ Credit Card, offered by Yes Bank, is a mid-segment card that offers a range of exclusive benefits in various categories such as travel, insurance, movies, dining, rewards, and more. One of its perks is free access to domestic and international lounges. Additionally, this card also allows you to save on foreign currency transactions with its low foreign currency markup fee of just 2.75%. Refer to the detailed information provided for more information about the benefits of this card.

YES Premia/Elite+ Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Movies | Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits


Movie & Dining

25% Discount on Movie Bookings With BookMyShow. Up to 25% Discount on Dining at Select Restaurants

Rewards Rate

12 RPs for every Rs. 200 spent online. 6 RPs per Rs. 200 you spend offline. 4 RPs on select categories like insurance, education, and rental payments.

Reward Redemption

RPs Earned Are Redeemable Through Yes Rewardz (1 RP = Re. 0.25 Against Hotel/Flight Bookings)



Domestic Lounge Access

2 complimentary lounge access per quarter.

International Lounge Access

3 Free Visits in a Year


4 Green Fee waiver and 1 complimentary golf lesson every month at selected golf courses in India

Insurance Benefits

A Credit Shield Cover Worth ₹3 lakhs and Purchase Protection

Spend-Based Waiver

Joining Fee Waiver - Spend ₹20,000 within 30 Days of Card Issuance. Annual Fee Waiver on Spends of ₹2 Lakh or More

Rewards Redemption Fee

₹100 + GST

Rewards Redemption Fee

₹100 + GST

Foreign Currency Markup

2.75% on all foreign currency transactions.

Interest Rates

3.8% Per Month (45.6% Annually)

Fuel Surcharge

1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.

Cash Advance Charges

2.5% or ₹500 (Whichever is Higher)

  • Get 4 RPs per ₹200 spent on utilities, government services, insurance, education, and rental payments.
  • Get 12 Reward Points per ₹200 spent online.
  • Avail of a discount of 25% on movie tickets through BookMyShow.
  • 3 Complimentary international lounge access per year.
  • 2 complimentary domestic lounge access per quarter.
  • 1 complimentary golf lesson each month.
  • Get your joining & annual fee waived on meeting the spending targets.
  • Low foreign currency markup fee of 2.75%.

YES Premia/ELITE+ Credit Card Rewards

  • You earn 12 Reward Points/₹200 for online shopping. There is a maximum cap for these Reward Points which is at 12,000 RPs per statement cycle.
  • You earn 6 Reward Points/₹200 for offline shopping.
  • Get 4 Reward Points per ₹200 you spend on utilities, government services, education, and insurance payments. Reward earnings on utility payments are capped at 300 RPs per statement cycle.
  • Rewards Points are valid for a period of 36 months.
  • A 1% charge will apply to utility transactions over ₹15,000/month and on all rental and wallet transactions.
  • No Reward Points shall be earned for fuel transactions, rental payments, wallet transactions, EMI spends, and cash withdrawals.

Rewards Redemption

  • The Reward Points earned are redeemable through Yes Rewardz for movie/flight/hotel bookings.
  • 1 RP = ₹0.25 when redeeming against hotel/flight bookings.
  • 10 Reward Points = 1 Club Vistara Point for redemption against Club Vistara Points.

Rewards Subscription Plan

You can also opt for a Rewards Subscription Plan which would allow you to earn accelerated Reward Points on specified categories. Additional YES Rewardz Points per statement cycle will be capped at 75,000 per customer.

Subscription Plan  Fee (One Year) RPs
First ₹1,500 3X YES Rewardz Points (Offline or Select Category Spends)
Second ₹2,500 5X YES Rewardz Points (Travel, Dining, Fashion and Healthcare)

Joining and Renewal Fee Waiver

On spending ₹20,000 in the first 30 days of card activation, you can get the joining fee of the card waived. The annual renewal fee can also be waived by spending ₹2 lakh or above in a year.

Free Domestic Airport Lounge Access

You get 2 complimentary domestic lounge access per calendar quarter (for primary cardholders only). This means that you can access domestic lounges eight times a year without having to pay any additional charges. Starting April 1st, 2024, access to domestic airport lounges will be based on spending criteria.

Lounge Access Quarter Required Spending
April – June ₹10,000
July – September ₹35,000

Complimentary Airport Lounge Access Outside India

3 complimentary airport lounge access outside India per year with the Yes Elite Plus Credit Card.

Movie Benefits

Get a 25% discount on movies on booking via BookMyShow (website and app) using your YES Elite+ Credit Card. You can avail of a maximum benefit of ₹250 in a calendar month with this offer. This benefit on movie ticket bookings would allow you to save up to ₹3,000 in a year with the Elite Credit Card.

Golf Benefits

You get 4 green fee waivers at selected golf courses across India. Enjoy 1 complimentary lesson for golf every calendar month at selected golf courses all over India.

Insurance Benefits

You get a credit shield cover worth ₹3 lakhs, a lost card liability of ₹3 lakh along with a Purchase Protection Plan (Up to ₹50,000).

Fuel Surcharge Waiver

Get a 1% waiver on the fuel surcharge for fuel transactions above ₹400 and below ₹5,000. The maximum benefit of ₹250 every month can be availed through the fuel surcharge waiver.

Low Foreign Currency Markup Fee

The YES Premia/ELITE Credit Card comes with a low foreign currency markup fee of 2.75%, allowing you to save on your foreign currency spends.

Dining Benefits

Enjoy discounts of up to 25% with the Yes Bank Dining Fiesta program at over 1,000 select restaurants.

Premia/Elite+: Elevating Luxury, Simplifying Rewards

YES Premia/ELITE Credit Card Eligibility Criteria

When applying for the Yes ELITE+ Credit Card, certain criteria need to be fulfilled by the applicant to be eligible for the card. The details of the same has been mentioned below:

  • To be eligible for the YES ELITE Credit Card, the applicant should be between 21 years & 60 years of age.
  • Applicants can be either self-employed or salaried.
  • The applicant’s income should be a minimum of ₹1 lakhs per month or an Income Tax Return of 9 lakhs or more.

How to Apply for YES ELITE+ Credit Card?

Follow the steps given below to apply for the card online, and if you want to apply for the card offline, visit the bank branch:

  • Click on ‘Apply Now.’
  • You shall be redirected to the application page.
  • Proceed by filling out the application form.
  • Submit your application.

YES ELITE Credit Card Review

Issued by YES Bank, the YES ELITE+ Credit Card, also known as the Premia/Elite Card, can be considered an ideal credit card as it has all the key features that one might be looking for in a credit card. It is very much comparable with the Tata Neu Infinity Credit Card, which comes with similar privileges. Along with providing exclusive reward offers, the ELITE Card comes with exciting travel benefits; discount offers on movies, golf benefits, fuel surcharge waiver, joining/renewal fee waiver, and many more features.

The YES Premia/ELITE+/Elite Credit Card has numerous benefits, one of which is its low foreign currency markup fee of just 2.75%. This fee is much lower than other cards, making it an ideal choice for those who frequently make international transactions. In addition to the low markup fee, the card also offers free international and domestic lounge access, further enhancing its value. With all these benefits in mind, it can be concluded that the YES Premia/ELITE+ Credit Card is an excellent option for individuals seeking exclusive benefits at a low joining fee of Rs. 999 + Applicable Taxes. If you’re looking for a card with these features, the YES ELITE Credit Card is definitely worth considering.


Yes, the Elite+ Credit Card can also be opted for as a secured credit card i.e. against a fixed deposit.
Yes, 3 complimentary international lounge access are offered along with the Yes Elite+ Credit Card. After these 3 complimentary visits, you will be charged.
Simply click on Apply Now to apply for the Yes Bank Elite Plus Credit Card. You would need to submit a few details about yourself such as your PAN Card, employment details, etc. Check eligibility before applying. It's also best to keep all the necessary documents handy.
The foreign currency markup fee of 2.75% on all foreign currency transactions is applicable on the YES Premia Credit Card.
If you spend ₹20,000 or more within the first 30 days after receiving your YES Elite+ Credit Card you can get the joining fee waived.
The reward redemption fee of ₹100 on every redemption request is charged on the YES Premia credit card.
YES Premia/Elite+ Credit Card

YES Premia/Elite+ Credit Card


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