YES BANK Marquee Credit Card

Name: Yes Bank YES BANK Marquee Credit Card
Brand: Yes Bank
Price: 5899 INR
Rating: 6.44 (1 reviews)

Ranked #12 of 170 in credit

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YES Bank's super-premium card targeting high online spenders and international travellers with a rare 1% forex markup and strong across-the-board reward rate, though redemption flexibility trails top competitors and sources disagree on exact lounge terms.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value60/100 · weight 71%

≈ 2.99% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.

No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), 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 12%

Redemption flexibility75/100 · weight 9%

Perks94/100 · weight 9%

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): -1

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)
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
online_shopping	points	1.13%(4.5 pts @ ₹0.25)	—	36 RP/Rs 200 online, no cap identified
offline_spends	points	0.56%(2.25 pts @ ₹0.25)	—	18 RP/Rs 200 offline
utilities	points	0.31%(1.25 pts @ ₹0.25)	—	10 RP/Rs 200 on utilities/insurance (rare inclusion)
government	points	0.00%(0 pts @ ₹0.25)	—	Excluded
wallet_load	points	0.00%(0 pts @ ₹0.25)	—	Excluded
rent	points	0.00%(0 pts @ ₹0.25)	—	Excluded
fuel	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).

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Welcome offer

40,000 YES Rewardz Points (~Rs 10,000 value) on joining fee payment + complimentary Prime subscription

Milestone benefits

Pros

Strong 4.5% effective reward rate on online spends (36 RP/Rs 200), 2.25% offline
rewards even on typically-excluded categories like utilities/insurance (10 RP/Rs 200)
very low 1% forex markup (best-in-class)
BOGO movie tickets 3x/month via BookMyShow (cap Rs 800)
welcome bonus alone nearly covers Year 1 fee

Cons

Limited airline/hotel transfer options (only Club Vistara/InterMiles vs 15+ on Axis Magnus/HDFC DCB)
low per-point redemption value (Re 0.10-0.25, varies widely by voucher)
high effective income bar despite lower stated minimum
user reports of inconsistent/delayed reward point crediting and frequent benefit changes at YES Bank
domestic lounge terms inconsistently described as 'unlimited' vs spend-gated across sources

What's inside

More 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.
Domestic Lounge Access
6 complimentary domestic airport lounge visits per quarter
yearly.
International Lounge Access
Unlimited international airport lounge access via Priority Pass
yearly.
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.
Fuel Surcharge Waiver
1% fuel surcharge waiver, max ₹1,000 per statement
Cap ₹1,000 / monthly.
Concierge & Lifestyle
₹2,000
24x7 concierge and premium lifestyle privileges
yearly.

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-60; min income Rs 3 lakh/annum stated on bank docs but effective practical threshold reported closer to Rs 30 lakh/annum by reviewers; must not be existing YES Bank credit card holder for new sign-up

Small print

Redemption fee: ₹0 / redemption