YES Elite+ Credit Card: A Friendly Look at Premium Benefits and Perks

These days, a credit card does more than settle bills—it rewards you, unlocks experiences, and cushions travel hiccups. Among the crowded field of cards, the YES Elite+ Credit Card shines for anyone seeking a premium touch with every swipe. Whether you shop online, jet between cities, or simply crave good meals and shows, this card promises to enhance each outing with bonus privileges. In the sections that follow, we’ll walk through its features, rewards layout, and everyday use so you can see if it matches your goals. By the final point, you’ll know if the YES Elite+ Credit Card fits your lifestyle.

Overview of the YES Elite+ Credit Card

The YES Elite+ Credit Card is designed for people who expect top-tier rewards, luxury services, and lifestyle perks with almost every purchase. Sitting in the sweet spot for those who want quick, exclusive service, and a little extra “wow” every time they swipe, this card offers reward points on almost every purchase, complimentary lounge access, and golf extras—appealing to today’s busy, lifestyle-focused consumer.

Key Features of the YES Elite+ Credit Card

Before diving into the perks, let's explore the core features that help the YES Elite+ Credit Card stand apart from other high-end cards.

1. Joining Fee

The joining fee for the YES Elite+ Credit Card is ₹999 + GST. This amount feels modest for a premium card, especially when you factor in the rewards and perks that come with it.

2. Renewal Fee

The renewal fee is ₹999 + GST, but it’s waived if the cardholder spends ₹2,00,000 or more on retail purchases in the previous year.

3. Reward Points System

• 12 Reward Points (RPs) for every ₹200 spent on online shopping.
  
  
• 6 RPs for every ₹200 spent on in-store purchases.
  
  
• 4 RPs for every ₹200 spent on select categories like utilities, insurance, education, and rent.
  
  

However, the maximum accrual is capped at 12,000 RPs per billing cycle. Redemption is straightforward:

• For bookings made through the YES Rewardz portal, each RP is worth ₹0.25.
  
  
• For gift vouchers and products, each RP is worth ₹0.10.
  
  

4. Reward Redemption

The YES Elite+ Credit Card offers a variety of redemption options:

• Flights and hotel nights
  
  
• Gift vouchers
  
  
• Products (including electronics and gadgets)
  
  
• Movie tickets through the YES Rewardz portal.
  
  

This makes it simple to swap your hard-earned points for travel, dining, or entertainment rewards.

Key Benefits of the YES Elite+ Credit Card

Now that we’ve looked at the features, let’s explore the headline perks that make the YES Elite+ Credit Card stand out:

1. Reward Points for Every Spend

The YES Elite+ Credit Card offers a generous rewards system:

• 12 points for every ₹200 spent online.
  
  
• 6 points for every ₹200 spent offline.
  
  

This structure works for almost every purchase—whether it’s groceries, gadgets, dining out, or even travel bookings. You can rack up points quickly and redeem them for flights, hotel stays, or even gadgets.

2. Lounge Access and Travel Benefits

Frequent flyers will appreciate the travel perks that come with this card:

• Domestic Lounge Access: Enjoy 2 free visits every 3 months at select Indian lounges.
  
  
• International Lounge Access: Get 3 free visits per year at overseas lounges.
  
  
• Forex Fee: The card’s forex fee is a competitive 2.75%, which is more affordable than many rival cards.
  
  

3. Golf Privileges

Golf lovers will find the YES Elite+ Credit Card hard to beat with these generous golf perks:

• 4 Complimentary Rounds of Golf: Enjoy 4 free rounds per year at partner courses across India.
  
  
• Golf Lessons: Every month, you’ll get one free lesson with a professional, making it a great option whether you’re an avid player or new to the sport.
  
  

4. Dining Privileges and Entertainment Offers

• Dining Discounts: Enjoy up to 25% off at select partner restaurants across India, turning every meal into a mini occasion.
  
  
• Entertainment Discounts: Get 25% off on online bookings through BookMyShow, making it easier to catch the latest movie without breaking the bank.
  
  

5. Insurance Coverage

The YES Elite+ Credit Card offers comprehensive insurance coverage, giving you peace of mind when life takes an unexpected turn:

• Credit Shield: Covers up to ₹300,000 in unpaid dues in case of accidental death of the primary cardholder.
  
  
• Purchase Protection: Covers gadgets and phones against damage or theft for six months, so you can enjoy the latest tech without worry.
  
  

How the YES Elite+ Credit Card Stands Out in the Market

Even with plenty of top-tier cards out there, the YES Elite+ Credit Card continues to win fans due to its blend of solid rewards, travel perks, and everyday advantages—all without charging a fortune. Here’s how it compares with other premium options:

Joining and Renewal Fee

Unlike heavyweight cards like the HDFC Diners Club Black or the American Express Platinum, which carry hefty annual fees, the YES Elite+ Credit Card asks for only ₹999 per year. This makes it an attractive choice for people who want premium perks but don’t want to break the bank.

Reward Points

Spend ₹200 online and earn 12 points—this is above the usual rate, making it perfect for anyone who regularly shops online or uses services like streaming platforms.

Golf and Lounge Access

The YES Elite+ Credit Card offers a rare combination of both golf perks and lounge access, making it a must-have for both golf enthusiasts and frequent travelers. With 4 free rounds of golf and complimentary lounge visits, it stands out in this area compared to other cards.

Eligibility for the YES Elite+ Credit Card

To be eligible for the YES Elite+ Credit Card, you need to meet the following criteria:

• Age: Between 21 and 60 years old.
  
  
• Income: If you’re salaried, your net monthly income must be at least ₹1,00,000. If you’re self-employed, your tax return should show at least ₹9,00,000.
  
  
• Credit Score: A good credit score (usually above 750) is preferred.
  
  

Conclusion

The YES Elite+ Credit Card is a solid premium option for anyone looking for great value and a touch of luxury. Its generous reward points, lifestyle perks like golf and lounge access, dining discounts, and strong insurance coverage make it an ideal choice for travelers, food lovers, and entertainment seekers alike.

With a sensible joining fee and renewal charge, plus the opportunity to earn redeemable rewards, the YES Elite+ Credit Card offers real bang for your buck.

If you love to rack up points on groceries, bills, and casual coffee runs—or enjoy perks like free golf rounds and lounge access—this card might be the perfect fit for your wallet. If you enjoy travel, dining out, or seeing your purchases transform into rewards, the YES Elite+ Credit Card could seamlessly integrate into your daily routine.