YES BANK Elite

YES Bank

YES BANK Elite is YES BANK's flagship premium credit card, designed for affluent professionals and frequent travellers who want industry-leading travel rewards combined with strong lounge access and a balanced rewards structure across dining and everyday categories. At an annual fee of ₹2,500 — reversed on spending ₹4 lakhs per year — the card delivers exceptional value through its 3% reward rate on travel and 2% on dining. The 3% reward rate on travel bookings (flights, hotels, holiday packages) is among the highest available from any Indian credit card. For someone spending ₹3 lakhs per year on travel, this translates to ₹9,000 in reward points — 3.6x the annual fee in travel value alone. This is particularly attractive for business travellers and frequent vacation planners. Eight complimentary domestic airport lounge visits per year through the Visa Lounge Access program provides substantial value for frequent domestic flyers, especially those who travel 2-3 times per quarter for business or leisure. The 4 complimentary international lounge visits are useful for occasional overseas trips. The 2% reward rate on dining and food delivery addresses another major spending category, while the 1% on groceries and utilities ensures the card delivers value across everyday spending. The 2.5% forex markup on international transactions, while not the lowest, is competitive and significantly better than the 3.5% charged by most mid-tier cards. The card requires a minimum annual income of ₹6 lakhs and is available to Indian residents aged 21-65 years. Source: YES BANK official website, updated May 2026.