YES BANK Marquee Credit Card

creditMastercardPremium

Super-premium; low forex; unlimited lounges

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value62/100 · weight 65%

≈ 3.12% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

No rewards on: government, wallet_load, rent, fuel. Reward score is scaled by ×(1 − 3.6%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency63/100 · weight 11%

Redemption flexibility72/100 · weight 8%

Perks94/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹9,999 + 18% GST
= ₹11,799 total
Annual fee: ₹4,999 + 18% GST
= ₹5,899 / year total
Forex markup: 1%

Lounge access

Domestic (per year): 24
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	points	4.50%(18 pts @ ₹0.25)	₹25,000 / monthly	36 RP/₹200 online (4.5% eff); 1L RP/statement cap
all_spends	points	2.25%(9 pts @ ₹0.25)	₹25,000 / monthly	18 RP/₹200 offline retail (2.25% eff)
utilities	points	1.25%(5 pts @ ₹0.25)	₹312 / monthly	10 RP/₹200 utilities/insurance/education, capped 1250 RP/statement
insurance	points	1.25%(5 pts @ ₹0.25)	₹312 / monthly	10 RP/₹200; capped
education	points	1.25%(5 pts @ ₹0.25)	₹312 / monthly	10 RP/₹200; capped
fuel	points	0.00%(0 pts @ ₹0.25)	—	Excluded
rent	points	0.00%(0 pts @ ₹0.25)	—	Excluded
wallet_load	points	0.00%(0 pts @ ₹0.25)	—	Excluded
government	points	0.00%(0 pts @ ₹0.25)	—	Excluded

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelrentwallet loadsgovernment paymentsmarketing/advertising MCCscash advancesEMI conversionsfees, interest and reversals

Point value by redemption mode

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

yes rewardz (general)	1 RP = ₹0.25
amazon/flipkart gift vouchers	1 RP = ₹0.15
flights and hotels	1 RP = ₹0.25
swiggy gift vouchers	1 RP = ₹0.25
air miles (club vistara/intermiles)	1 RP = ₹0.10
gift vouchers	1 RP = ₹0.25

Welcome offer

40,000 YES Rewardz Points + 1-year ET Prime membership + Online Purchase Protection (credited after joining fee realization)

Milestone benefits

Spend ₹10,00,000 / yearly: Renewal fee waiver

Pros

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency mark-up.
Offers attractive benefits like Buy One Get One on movies and discounts on dining, appealing to a younger demographic.

Cons

Comes with a high joining fee of Rs. 9,999 + GST.
The welcome benefit, while good, might be considered limited relative to the high joining charge.

What's inside

Travel privileges

Domestic Lounge Access
6 complimentary domestic airport lounge visits per quarter
yearly.
International Lounge Access
Unlimited international airport lounge access via Priority Pass
yearly.

Earn every day

Fuel Surcharge Waiver
1% fuel surcharge waiver, max ₹1,000 per statement
Cap ₹1,000 / monthly.

Welcome benefits

Welcome Reward Points
₹10,000
40,000 YES Rewardz Points on joining fee realization
one time.
ET Prime Membership
₹3,199
Complimentary 1-year ET Prime subscription
one time.

Lifestyle

BookMyShow BOGO
₹800
Buy 1 Get 1 Free movie tickets, up to 3 times/month, max ₹800/ticket
Cap ₹800 / monthly.
Complimentary Golf
₹6,000
Complimentary golf privileges at select courses
yearly.

Concierge & support

Concierge & Lifestyle
₹2,000
24x7 concierge and premium lifestyle privileges
yearly.

Insurance cover

credit liability: ₹3,00,000

Eligibility

max age: 60
min age: 21
min annual income: ₹24,00,000
min monthly income: ₹3,00,000

Small print

Redemption fee: ₹0 / redemption