Premium Lifestyle Card — 12X Online Rewards, Golf, & Airport Lounges
Urban professionals who shop online frequently, dine out, watch movies regularly, and want golf privileges and lounge access in a single mid-premium card.
₹999
One-time upfront₹999
Waived on ₹2 lakh annual spend12 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.
On eligible spends2 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Elite+ Credit Card (formerly YES PREMIA) occupies a well-calibrated position in the mid-premium segment, delivering a genuinely differentiated reward structure that heavily favors online shopping. At 12 YES Rewardz Points per ₹200 on online transactions, the card provides an effective 3% return on e-commerce, streaming, and app-based purchases — a rate that exceeds most competitors at the ₹999 annual fee tier. The 6X rate (6 points per ₹200) on offline transactions translates to 1.5% value-back on dining, retail, and in-store shopping, maintaining above-average returns across spending categories. The lifestyle perks package distinguishes this from pure rewards cards. The 25% BookMyShow movie ticket discount (capped at ₹250/month) saves approximately ₹3,000/year for regular moviegoers. Four complimentary golf Green Fee waivers per year and 1 golf lesson per month position this as one of the few sub-₹1,000 cards with genuine golf privileges. Quarterly domestic and international lounge access (subject to ₹50,000 quarterly spend) rounds out the travel utility. The competitive 2.75% forex markup makes the card more internationally friendly than most peers at this price. The principal limitation is the spend-based gating on lounge access — the ₹50,000 quarterly requirement means only consistent spenders unlock the travel benefit. The reward point exclusion list (fuel, rent, wallet, government, insurance, education, jewellery) is notably longer than competitors, reducing the effective earning scope. The ₹2,00,000 annual spend for fee renewal waiver is reasonable but not trivial. For users who primarily shop online and enjoy cinema and golf, this card delivers exceptional per-rupee value; for those with heavy offline/fuel/utility spending, the Axis Bank SELECT or SBI Card PRIME would be more rewarding.
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.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Retail Spends | 12 Reward Points per ₹200 spent online | No Cap | Standard terms apply |
| Offline Spends | 6 Reward Points per ₹200 spent offline | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Retail Spends | ₹12,000 | 12 Reward Points per ₹200 spent online | — | None | Calculating... | Under cap |
| Offline Spends | ₹18,000 | 6 Reward Points per ₹200 spent offline | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹999 + 18% GST (occasionally offered as Lifetime Free via promotional channels). • Annual Renewal Fee: ₹999 + 18% GST. • Spend-Based Fee Waiver: Renewal fee waived on spending ₹2,00,000 in the preceding anniversary year. • Online Rewards: 12 YES Rewardz Points per ₹200 spent on online transactions (~3% value). • Offline Rewards: 6 YES Rewardz Points per ₹200 spent on offline transactions (~1.5% value). • Select Categories: 4 YES Rewardz Points per ₹200 spent. • Excluded Categories: Fuel, rent, wallet loads, government, insurance, education, jewellery earn zero points. • BookMyShow: 25% discount on movie tickets, capped at ₹250 per month. • Golf: 4 complimentary Green Fee waivers per year + 1 golf lesson per month. • Domestic Lounge: Access subject to ₹50,000 quarterly spend. • International Lounge: Access subject to terms. • Fuel Surcharge Waiver: 1% waiver on transactions ₹400–₹5,000. • Foreign Currency Markup: 2.75% + GST on international transactions. • Credit Shield: Up to ₹3,00,000 coverage on lost card liability. • Finance Charges (APR): 3.5% per month on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES Elite+ Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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Best for: Urban Households, BigBasket Grocery Shoppers & Swiggy Food Delivery Spenders
Rewards: 10 EDGE Points per Rs 200 spent (1% value back)
Lounge access: 2 Domestic visits/quarter + 6 International visits/year · ₹50k quarterly spend required (Domestic)
Renewal fee waived on ₹8,00,000 annual spend
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Best for: Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers
Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
Lounge access: 6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)
Forex markup: 1% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
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Best for: Frequent travelers and corporate executives looking for extensive domestic and international lounge access, golf rounds, and low forex fees under ₹2,500 annual fee.
Rewards: 24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
Lounge access: 3 Domestic + 3 International visits/quarter · ₹1L quarterly spend required (Domestic)
Forex markup: 1.75% Low Forex
Renewal fee waived on ₹3,00,000 annual spend
Last verified 9 Sept 2026
Best for: Ultra-high-net-worth clients, global business executives, and luxury travelers demanding zero forex markups, spa privileges, and never-expiring reward points.
Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
Lounge access: Unlimited Domestic & International
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹25,00,000 annual spend
Last verified 17 Sept 2026
Best for: Ultra-high-net-worth frequent flyers, global executives, and luxury travelers seeking direct 1:1 airline conversions, international lounge privileges with guests, and bespoke concierge hospitality.
Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.8% Low Forex
Renewal fee waived on ₹15,00,000 annual spend
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Best for: Affluent travelers, luxury lifestyle seekers, and frequent flyers seeking unlimited lounge and spa access with premier golf and movie privileges.
Rewards: 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Renewal fee waived on ₹15,00,000 annual spend
Last verified 17 Sept 2026
