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YES Bank
World Elite
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Elite+
Yes Bank • MasterCard• World
Annual Fee
Free
Base Reward Rate
0.50%
Foreign Tx Fee
2.75%
Tier
World
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹50,000 per quarter
2 complimentary domestic airport lounge visits/quarter (PRIMARY cardmember only). **All guest visits are chargeable** (no complimentary guest visits on Elite+). Access via Yes Bank LoungeOne platform (loungeone.ai) — Card swipe at lounge OR QR code via web. **Activation:** Effective 1-Apr-2025, requires ₹50,000+ spend in the PREVIOUS calendar quarter (Jan-Mar qualifies for Apr-Jun | Apr-Jun qualifies for Jul-Sep | etc.). Spends EXCLUDE fee payments, reversals/cancelled txns, rental, and wallet transactions. Refundable ₹2 authorization charge at lounge for validation. Escalations must be raised within 90 days of visit.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹4,830
Blended 0.77% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
YES Elite+ World Mastercard. ₹999 joining + ₹999 annual; annual waived on ₹2L+ annual spend. Welcome: 12,000 RP on ₹10K spend in 30 days (post-fee). Base 4 RP per ₹200. Accelerated: 12 RP/₹200 on dining, 6 RP/₹200 on grocery/departmental/utilities. Capped reward categories (utilities, telecom, education, fuel). 2 domestic lounges/quarter + 3 international lounges/year (calendar quarter basis). Golf: 2 complimentary rounds/lessons per quarter (on ₹40K monthly spend). BookMyShow BOGO. EMI conversion >₹2,500. 1.99% revolving APR. Foreign markup 3.5%. | LOUNGE UPDATE 2026-05-27 (official YES Bank PDF): Domestic 2/qtr primary-only, requires ₹50K spend in previous quarter (effective 1-Apr-2025), all guest visits chargeable. Access via LoungeOne (loungeone.ai). Refundable ₹2 auth charge. | ✅ USER-RESOLVED 2026-05-28: **Forex 2.75%** (was 3.5% in DB; sources had stale 2.5%). Yes Bank standard cards carry 3.5%/3.99%; ELITE+ has preferential 2.75% cap. If holding Yes Premia/Elite Debit + registered premium program (NRV tier dependent), intl markup can drop FURTHER or be waived entirely.
✓ No activation spend required — access is unconditional.
3 complimentary international airport lounge visits/year via Priority Pass (or equivalent) membership. Guest visits chargeable as per Priority Pass walk-in rates. Note: International lounge program details NOT covered in the YES Bank Domestic PDF — verify intl benefits separately if needed.
Excluded categories