HomeCredit CardsYes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

YES Bank

YES Bank Marquee Credit Card

visasignaturecreditmoviestravelshopping

Annual Fee

₹3,539₹2,999 + GST

Base Reward

4.5% points

Foreign Markup

1% of the Transaction Amount

Apply Now
4.6/5
VerifiedLast updated 26 May 2026

Welcome Benefits

40,000 Reward Points

Product Highlights

  • Unlimited lounge access
  • BOGO on movies
  • Accelerated Reward Points

Category Rewards

shopping

36 YES Rewardz per ₹200 on online shopping (select categories)

3.6X

shopping

18 YES Rewardz per ₹200 on offline shopping (select categories)

1.8X

Fee Waiver

Spend ₹10 Lakh in a Year

Reward Calculator

Costs you ₹395/year

Break-even needs ~₹18,011/month at your reward mix.

Monthly spend

₹16K

across all your buckets

Points / yr

15.7K

YES Rewardz

Best worth

₹3.1K

via standard · ₹0.2/pt

Effective rate

1.64%

Annual fee

₹3,539

Year 1 net

₹-395

Year 2+ net

₹-395

ongoing

Adjust your spend by reward bucket

3 buckets
3.60%36 YES Rewardz per ₹200 on online shopping (select categories)
₹3,000/mo
Earns 540 yes rewardz / mo≈ ₹108 worth/mo
1.80%18 YES Rewardz per ₹200 on offline shopping (select categories)
₹3,000/mo
Earns 270 yes rewardz / mo≈ ₹54 worth/mo
1.00%All other spends
₹10,000/mo
Earns 500 yes rewardz / mo≈ ₹100 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

fuel, cash advance, emi, rent, wallet

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 36 Reward Points for each spend of ₹200 on online shopping, 18 Reward Points for each offline spend of ₹200, and 10 Reward Points on select categories such as Recharge and Utility Bill Payments.

Reward Points — Redemption Value
  • 1 Reward Point = Up to ₹0.25

Benefits & Features

Domestic: 6 Free Visits Each Quarter (24 in a Year) (Spend ₹1 Lakh in the previous quarter to be eligible) International: Unlimited Lounge Access (Available for Primary & Add-On Cardholders) Unlimited international lounge access for primary and add-on cardholders, with 4 complimentary visits for guests in a calendar year.

Pros & Cons

Pros

  • Unlimited lounge access
  • Lower Foreign Currency Mark-Up of 1%
  • Attractive discounts on dining

Cons

  • High joining fee of ₹9,999
  • Limited welcome benefits in accordance with the high joining charge

Additional Info

Excluded Categories

fuelrentgovernmentmarketing/advertisingwallet cash withdrawalspost-purchase transactions converted into EMIs

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹4,999
Joining Fee₹9,999 + GST
Fee WaiverSpend ₹10 Lakh in a Year
Foreign Markup1% of the Transaction Amount
Interest Rate2.99% per month
Cash Advance2.5% of the Transaction Amount

Eligibility

Min Age

21 yrs

Salaried

₹3.0L+

Self-Emp

₹24.0L+

Networks

visa
Yes Bank Marquee Credit Card — Benefits, Rewards & Fees | Ri8Lane