YES Bank · Mid
ELITE+
Where it ranks across all 187 cards
#53 Online shopping
1.5%
direct
#81 Gaming
0.8%
direct
#89 Mobile / broadband
0.8%
direct
#101 Cabs & transit
0.8%
direct
#107 Other
0.8%
direct
#108 Health & pharmacy
0.8%
direct
#109 Electronics
0.8%
direct
#113 Hotels
0.8%
direct
#114 Flights
0.8%
direct
#118 Fashion
0.8%
direct
#120 Food delivery
0.8%
direct
#120 Movies & events
0.8%
direct
#126 Dining out
0.8%
direct
#70 Utility bills
0.5%
direct
#133 Groceries
0.5%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.75%base rate
6 pts / ₹200
source
Source: ELITE+ Credit Card rewards (bank content API) - yes.bank.in - read 25 Sep 2026
12 pts / Rs 200 on online shopping
1.50%this rule
12 pts / ₹200
how it works & source
Cap value in INR uses the bank's own point value (12,000 x Rs 0.25); the 12,000-point cap figure itself is stated in the ELITE+ value chart PDF ('Capped at 12,000 YES Rewardz Points per statemement cycle').
Source: ELITE+ card rewards - yes.bank.in - read 25 Sep 2026
4 pts / Rs 200 on grocery and utility spends
0.50%this rule
4 pts / ₹200
source
Source: ELITE+ card rewards - yes.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Fuel
earns nothing
No reward points on fuel transactions
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983, 9752
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Rent
earns nothing
No reward points on rent transactions
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Wallet load
earns nothing
No reward points on wallet load transactions
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
EMI
earns nothing
No reward points on transactions converted to EMI
→ use Kotak Solitaire Credit Card here (3.0%)
Government / tax
earns nothing
No reward points on government transactions (from 15 Jun 2026).
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Insurance
earns nothing
No reward points on insurance (from 15 Jun 2026).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Education
earns nothing
No reward points on education (from 15 Jun 2026).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Train tickets
earns nothing
No reward points on railway spends (from 15 Jun 2026).
→ use IRCTC SBI Card here (10.0%)
detail & source
categories: Train tickets
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Jewellery & watches
earns nothing
No reward points on jewellery (from 15 Jun 2026).
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: ELITE+ rewards glossary - yes.bank.in - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.