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YES Bank Marquee Credit Card

Product Details
Credit Card Name

YES Bank Marquee Credit Card

Bank Name

Yes Bank

Type

Lifestyle Credit Card

Interest Rate

2.99% per month (35.88% annually)

Eligibility

Age: 21 to 60 years old
Minimum Income: Rs. 3 lakh per month salary or Rs. 24 lakh annual income through ITR

YES Bank Marquee Credit Card
Pros
  • Unlimited Lounge Access: Enjoy stress-free airport experiences with unlimited access to domestic and international airport lounges through Priority Pass.

  • Golf Program: Enjoy one complimentary Golf Lesson every calendar month at select golf courses in India

  • 1% Foreign Currency Mark-up Waiver: Save on international transactions with a lower foreign currency markup fee compared to standard rates.

  • Buy One Get One Offer on Movies: Treat yourself and a companion to complimentary movie tickets every month with BookMyShow.

  • Reward Points & Redemption: Earn 10 Reward Points per Rs. 100 spent on all categories. Redeem points for travel bookings, merchandise, statement credit, and more.

  • Welcome Bonus: Get 5,000 e-Gift Voucher on spending Rs. 3,000 within the first 30 days.

  • Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver at all fuel stations in India.

Cons
  • High Annual Fee: The hefty annual fee of Rs. 9,999 + taxes (waived on Rs. 10 lakh annual spends) can be a significant barrier for many applicants.

  • Moderate Reward Rate: While 10 points per Rs. 100 is decent, other premium cards might offer higher rates or category bonuses.

  • Points Redemption Value: One point is worth Rs. 0.25 for statement credit, which is a low conversion rate. Consider alternative redemption options for better value.

  • Limited Airport Lounge Network: Compared to some competitors, the Priority Pass network might offer fewer lounge options in specific locations.

Pros & Cons
Welcome Benefits

60,000 YES Rewardz Points as Joining BenefitsFirst Year Membership Fee of INR 9,999 + Applicable Taxes

Rewards System
  • 1 YES Rewardz Point = Rs. 0.25

  • Earn 36 YES Rewardz Points for every Rs. 200 spent on online shopping

  • Earn 18 YES Rewardz Points for every Rs. 200 spent on offline shopping

  • Earn 10 YES Rewardz Points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments)

  • Earn 2 Bonus Reward Points for every Rs. 100 spent on international transactions

  • Effective Cashback Rate: 9% (Online shopping) 

  • Effective Cashback Rate: 4.5% (Offline shopping) 

  • Effective Cashback Rate: 2.5% (All other categories) 

International Forex Markup

Foreign Currency Mark-up of 1%

Welcome Benefits and Reward System
Special Features

Unlimited Access to airport lounges internationally for Primary & Add-on card holders

Eligibility Criteria

Age: 21 to 60 years old
Minimum Income: Rs. 3 lakh per month salary or Rs. 24 lakh annual income through ITR

Benefits
  • Rewards: Accelerated rewards on  both online as well as offline spends
    Rewards on select categories: Get 10 YES Rewardz Points for every ₹200 spent on utilities, wallet loading, bill payments, insurance, etc.

  • Lounge access: Enjoy unlimited complimentary access to domestic airport lounges for primary and add-on cardholders.

  • Movie benefits: Get Buy-One-Get-One-Free offers on movie tickets BookMyShow.

  • Other benefits: Purchase protection plan.
    Best-in-industry foreign currency markup of 1%.
    Complimentary personal accident insurance cover.
    Extended warranty.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility: You must be an Indian resident with a good credit score and a stable income.

  2. Visit the YES Bank website: Go to https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card.

  3. Click on "Apply Now".

  4. Fill out the application form: Enter your personal details, income information, and employment details.

  5. Submit the application: You can submit the application online or visit a YES Bank branch.

  6. Document verification: YES Bank will verify your documents and credit score.

  7. Approval: If approved, you will receive your YES Bank Marquee Credit Card within 7-10 working days.

Contact Details

+91 22 49350000

Account Opening and Procedure
Yes Bank Marquee Credit Card

YES Bank Marquee Credit Card is a good option for frequent travelers and online shoppers who are willing to pay the high annual fee. The card also provides various rewards and the effective cashback rate is much higher, as compared to other cards in the market. However, if you are looking for a card with more flexible reward redemption options or wider acceptance, you may want to consider another card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • First Year Membership Fee of INR 9,999 + Applicable Taxes

  • Renewal Membership Fee of INR 4,999 + Applicable Taxes, waived on total retail spends of INR 10,00,000 in a year and get waiver on subsequent renewal fee

  • Interest Rate of 2.99% per month (35.88% annually) on Overdue amount

  • Cash Advance Charges: 2.5% of amount withdrawn or ₹300, whichever is higher

  • Late Payment Charges: Ranges from INR 100 to INR 1200. 

  • Foreign Currency Mark-up of 1%

Fuel Surcharge

1% Fuel surcharge waiver at fuel stations across India for transaction between INR 400 to INR 5,000

Billing Cycle

30 Days

Fees & Charges
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