YES Bank Marquee Credit Card
Fees
Joining ₹9,999 + Taxes
Annual ₹4,999 + Taxes
Reward Rate
36 reward points per ₹200 spent on online shopping; 18 reward points per ₹200 spent on offline shopping
Welcome Bonus
40,000 Reward Points welcome benefit
Lounge Access
Domestic Lounge (₹1L Qtr Spend)
FindMyCard Expert Take
YES Bank Marquee is a genuinely free card with a strong online earn rate (36 points per ₹200) and a 1% forex markup that undercuts most cards regardless of fee tier. Lounge access needs ₹1 lakh in the prior quarter's spend, so it works best for consistent spenders rather than occasional ones.
Pros & Cons
Key Advantages
- 36 reward points per ₹200 on online spends, one of the higher online earn rates available
- 1% forex markup, among the lowest available
- Points redeemable across airlines and a range of luxury vouchers
- Allows a generous allocation of up to 3 separate complimentary add-on cards
Limitations
- Lounge access benefits are restricted by a spend threshold of ₹1 Lakh in the preceding quarter
- Core essential categories (fuel, cash advances, EMIs) are completely excluded from point accruals
- ₹1 or 1% processing fee on wallet loads and rent payments
- Reward points are capped at 1 lakh per statement cycle
Editorial Verdict
The YES Bank Marquee Credit Card is ideally suited for online shopping and high-yield value back on overseas transactions. If you want 36 reward points per ₹200 spent on online shopping; 18 reward points per ₹200 spent on offline shopping, this card delivers real value. The ₹4,999 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
36 YES Rewardz Points accrued for every ₹200 spent on standard online shopping interactions
18 YES Rewardz Points accrued for every ₹200 spent on standard offline shopping transactions
Redeem accumulated points directly via the YES Rewardz Portal for travel bookings, airline miles, vouchers, or physical merchandise
Ultra-low foreign currency cross-currency exchange markup fee capped at just 1% on international spends
Complimentary airport lounge access infrastructure (conditioned on completing ₹1 Lakh in retail retail spends during the preceding quarter)
Up to 3 complimentary add-on credit cards for family members sharing the primary credit limit line
Built-in transaction fee protections on massive recurring pipelines (capped up to 3 separate rent transactions per 30-day rolling window)
🚀 Milestone Spends Timeline
Quarterly spend-based lounge access and upgrade opportunities tied to your YES First relationship tier
Fees & Charging Rates
Annual Fee Waivers
₹4,999 + Taxes
💡 Annual fee waived on ₹10 Lakh annual spends
Regular Interest Charges
Subject to standard premium interest structures listed in the bank's MITC guidelines
Insurance & Protection Benefits
Eligibility Criteria
employment profiles
Salaried and Self-Employed Profiles; up to 3 complimentary add-on cards allowed per primary account
Compare YES Bank Marquee Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| YES Bank Marquee Credit Card This Card | ₹4,999 + Taxes | 36 reward points per ₹200 spent on online shopping; 18 reward... | Domestic Lounge (₹1L Qtr Spend) | 4.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |