Yes Bank Elite+ LTF

[Ra.One]

Anybody looking for a card from Yes Bank (just for site/sale offers), the Elite+ is being offered LTF (I think since the past couple of weeks).
About the card- Reward rate is , even after the 3X/5X plans. Spend based domestic lounge access.
Three international lounge access/year in an LTF card for sale specific offer is the only thing going for this card.
I had been in a dilemma if to opt for the Marquee( via the Grandeur a/c route) or not, but couldnt justify the hassle for a card which I wouldnt be using over my Atlas/Amex trifecta. Just randomly checked for an offer and Elite+ was offered LTF. Applied and received yesterday.

 

[sam1803]

I applied for my wife and put annual income as 10Lakh to be on the safer side (Less than actual). She has good cibil around 785 and the highest limit on her cibil is 3.15L. she got Elite plus LTF. They offered Rupay virtual card LTF and at the end they were trying to open Yes Bank account too since I did not knew what kind of account it will be I did not opt for. Rupay card opted.

 

[sam1803]

Has anyone of you opted for the savings account?

 

[ontherocks]

Applied card today through desktop, got Elite+ as LTF. Was Showing option to complete VKYC but can't be done on desktop, so skipped it. But haven't received any VKYC link on email or in message. How to complete VKYC now without any link?

Salary kitna enter kiya?

 

[sam1803]

Salary kitna enter kiya?

With 10Lakh you will easily get

 

[Tonymathew]

I also took it On sep 18 I saw the banner for elite+ LTF applied and was eligible for the same did vkyc on 19 sep received approved mail on 20 sep

Were your pincode serviceable as per the serviceable list available online?

 

[ontherocks]

With 10Lakh you will easily get

Did you click the "Apply now" button here https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card ?

 

[sam1803]

Did you click the "Apply now" button here https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card ?

Yes through website only. I went to Elite plus page and clicked on the apply button.

 

[tappukepapa]

Did you click the "Apply now" button here https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card ?

You can apply directly on website, it will show eligible cards based on profile, doesn't need to be applied via any specific card link. Btw, i have entered 4L plus annual salary, even though terms say 1L per month.

 

[rohant]

You can apply directly on website, it will show eligible cards based on profile, doesn't need to be applied via any specific card link. Btw, i have entered 4L plus annual salary, even though terms say 1L per month.

Please keep us updated.

I am currently unemployed. Can I still apply?

 

[ayt]

Were your pincode serviceable as per the serviceable list available online?

Yes , both my residence and office pincodes are serviceable

 

[ayt]

Please keep us updated.

I am currently unemployed. Can I still apply?

Yes you can apply but you need to make sure few things such as good cibil with considerable long history, atleast 1 unsecured credit card with good credit limit and lastly if you are unemployed you need to provide office address where someone can vouch for you because they sometimes conduct physical verification BUT KEEP IN MIND THAT THIS METHOD IS UNFAIR

 

[tappukepapa]

---

Please keep us updated.

I am currently unemployed. Can I still apply?

Bro, my office and home address is updated in cibil records, that helps me in getting cards. And I'm salaried, although haven't given any income proof except office verification for any of my credit cards.

 

[Riya Sharma]

Yes Bank does not give cards to people under 21, right?

 

[Tonymathew]

Sure
Applied on 18 sep
Did vkyc on 19 sep
Received a verification call on 20th
He asked two questions
1 - Are you applying for yourself or under someone else's pressure
2- is this card for your personal use or business purposes
Received card approval mail after 45 mins of call on same day

No home or office verification happened even though my communication address was different from my adhaar address

Yes you can apply but you need to make sure few things such as good cibil with considerable long history, atleast 1 unsecured credit card with good credit limit and lastly if you are unemployed you need to provide office address where someone can vouch for you because they sometimes conduct physical verification BUT KEEP IN MIND THAT THIS METHOD IS UNFAIR

I went through all the procedure, and it's showing me RESERV card FYF.. so didn't went ahead.

Cibil hit already done... I wanted LTF elite and applied for the same, they or vide Reserv FYF...

 

[ontherocks]

As m

I went through all the procedure, and it's showing me RESERV card FYF.. so didn't went ahead.

Cibil hit already done... I wanted LTF elite and applied for the same, they or vide Reserv FYF...

As mentioned earlier in this thread, you must have entered a high annual salary and got yourself overqualified for Elite+

 

[Tonymathew]

As m

As mentioned earlier in this thread, you must have entered a high annual salary and got yourself overqualified for Elite+

Nop .. after reading the post, I entered only 8L.. still shown

 

[sam1803]

Nop .. after reading the post, I entered only 8L.. still shown

Maybe because of your other card limit. If it is high that can also be one of the reason.

It's just an assumption even I don't know how Yes Bank works. They want to give you card which they think will suit you not the other way round .

 

[Tonymathew]

Maybe because of your other card limit. If it is high that can also be one of the reason.

It's just an assumption even I don't know how Yes Bank works. They want to give you card which they think will suit you not the other way round .

Maybe... I have rubyx with 4.8L limit.
They want to give me card, which will benefit them... Even though it might be useful, I currently wanted a LTF card, till next year end.. that's why

 

[Tonymathew]

1 doubt

Maybe because of your other card limit. If it is high that can also be one of the reason.

It's just an assumption even I don't know how Yes Bank works. They want to give you card which they think will suit you not the other way round .

Their product page shows 1st year waived only if condition met, but during their application it shows FYF only.. so which should I believe.. I'll take the card anywhere, only to add to my collection, as a cibil inquiry had been made .

 

[jpr]

how to check pincode serviceable or not