YES Premia/Elite+ Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

You will earn 4 Reward Points for every ₹200 spent on utilities, government services, insurance, education, and rental payments. You will earn 12 Reward Points for every ₹200 spent online. You can enjoy a 25% discount on movie tickets when you book through BookMyShow. You will receive 3 free international lounge access passes per year. You will receive 2 free domestic lounge access passes per quarter. You will get one free golf lesson every month. Your joining and annual fees will be waived if you meet the spending targets. You will be charged a low foreign currency markup fee of 2.75%.

The YES Premia/Elite+ Credit Card is a great option for individuals who enjoy indulging in movies, travel, and shopping.

With a joining fee of Rs. 999 + GST and a renewal fee of Rs. 999 + GST, this card offers a range of benefits and rewards.

When it comes to reward types, the YES Premia/Elite+ Credit Card offers Reward Points.

This means that every time you use the card, you earn points that can be redeemed for various rewards.

While the card doesn't offer a welcome benefit, it does provide some enticing perks for movie lovers.

Cardholders can enjoy a 25% discount on movie bookings with BookMyShow, making it a great option for those who frequently catch the latest releases.

When it comes to dining, this card has you covered.

You can avail up to a 25% discount at select restaurants.

For shopping, you earn 12 RPs for every Rs. 200 spent online and 6 RPs per Rs. 200 spent offline.

Additionally, specific categories like insurance, education, and rental payments offer 4 RPs.

Unfortunately, there are no specific travel benefits attached to this card.

However, you can enjoy 2 complimentary lounge access per quarter at domestic lounges and 3 free visits in a year at international lounges.

If you're a golf enthusiast, this card has something for you too.

You can enjoy a Green Fee waiver at selected golf courses in India and even receive one complimentary golf lesson every month.

Insurance benefits are also included with this card.

You get a Credit Shield Cover worth ₹3 lakhs and purchase protection, providing peace of mind with your purchases.

The YES Premia/Elite+ Credit Card offers some fee waivers as well.

Joining fee waiver is possible if you spend ₹20,000 within 30 days of card issuance.

Additionally, an annual fee waiver can be availed if you spend ₹2 lakh or more annually.

There is a rewards redemption fee of ₹100 + GST, which should be considered when redeeming your points.

Foreign currency transactions come with a 2.75% markup, and the interest rate for this card is 3.8% per month (45.6% annually).

For fuel transactions between Rs. 400 and Rs. 5,000, you can enjoy a 1% fuel surcharge waiver.

Cash advances are subject to a 2.5% fee or ₹500, whichever is higher.

In conclusion, the YES Premia/Elite+ Credit Card is a suitable choice for individuals who love movies, travel, and shopping.

With its various discounts, reward points, and insurance benefits, this card offers excellent value.

However, it's important to consider the associated fees and interest rates before applying.