Yes ELITE Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
Type :
Travel Credit Card
Interest Rate :
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Eligibility :
21 to 60 years of age.
Salaried or self-employed.
Minimum Net Salary of INR 1 lakhs per month or Income Tax Return of INR 9 Lakhs and above.
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Pros
Reward System: Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on select categories. 1RP = 0.25 paisa. Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability 3 lakh.
Cons
High fees.
Moderate reward rate.
Limited international lounge access.
Pros & Cons
Welcome Benefits
None
Rewards System
Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on Select categories.
1 RP = 0.25 paisa.
Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
International Forex Markup
2.75% on all foreign currency transactions.
Welcome Benefits and Reward System
Special Features
Insurance cover of upto INR 50,000 against accidental damage for 6 months for mobile & electronic purchased online.
Eligibility Criteria
21 to 60 years of age.
Salaried or self-employed.
Minimum Net Salary of INR 1 lakhs per month or Income Tax Return of INR 9 Lakhs and above.
Benefits
Travel Benefits.
Movie ticket discounts.
Golf programs.
Dining discounts.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the Yes Bank website (https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards).
Navigate to the 'Credit Cards' section and select 'Yes ELITE Credit Card'.
Click on 'Apply Now' and fill out the online application form.
You'll need to submit scanned documents like PAN card, ID proof, income proof (salary slips/ITR documents), etc.
Contact Details
1800 1200
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Reward System: Users will get 12 YES Reward Points for every INR 200 for online shopping, 6 YES Reward Points for every INR 200 for offline shopping, and 4 YES Reward Points for every INR 200 on select categories. 1RP = 0.25 paisa. Online cashback rate: 1.5%, Offline cashback rate: 0.75, and cashback rate for other spends: 1%.
Travel Benefits: 3 complimentary access to international lounges through the Priority Pass, and 2 complimentary domestic airport lounge visits in India per calendar quarter.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Golf program, Movie ticket benefits, credit shield cover of 3 Lac, and lost card liability 3 lakh.
High fees.
Moderate reward rate.
Limited international lounge access.
The Yes Bank ELITE Credit Card is a good option for travelers who frequently use airport lounges and prioritize saving money on foreign transactions. The potential fee waiver and fuel surcharge waiver can add value if you meet the spending requirements. However, if you're looking for a card with a high base reward rate for all your spending, or if you prefer a simpler rewards program without subscriptions, there might be better options available.
Yes ELITE Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
First Year Membership Fee of INR 999 + Applicable Taxes, waived on total retail spends of INR 20,000 in first 30 days
Interest Rate: 3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Cash Advance Charges: 2.5% or the transacted amount or Rs. 300 (whichever is higher).
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Mark-up Fees: 2.75% on all foreign currency transactions.
Fuel Surcharge
1% waiver, valid for transaction between ₹400 to ₹5,000 only.
Billing Cycle
30 Days