Welcome Benefits: Welcome vouchers worth INR 1,000. 5,000 bonus Yes Rewardz points on spending INR 50,0000 in the first 90 days.
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Yes Essence Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Welcome vouchers worth INR 1,000. 5,000 bonus Yes Rewardz points on spending INR 50,0000 in the first 90 days.
Milestone Benefits
Milestone Benefits: User will get INR 10,000 Rewardz Points on acheiving annual spends of INR 1,00,000.
Cashback Rate
Value of 1 YES Rewardz Point is INR 0.25.
Users will get 12 YES Rewardz Points on spends of every INR 200 on online fashion, beauty, travel, dining and grocery spends.
Accelerated Online Cashback Rate: 1.5%.
Users will get 8 YES Rewardz Points on all other online spends per INR 200.
Online Cashback Rate: 1%.
Users will get 4 YES Rewardz Points on all offline spends per INR 200.
Offline Cashback Rate: 0.5%.
MyRupaya Tip: Use the card for purchasing coupons /tickets on the Yes Bank rewards portal to get more value out of each point.
Movie Benefits
Buy one get one movie ticket free on District app every month. Ticket free upto INR 250.
Dining Benefits
None.
Other Benefits
Buy one get one coffee free at select coffe stores across India, available twice per month.
Free Economic Times subscription and three month Sony Liv plan.
Free 4 golf fee waivers and 12 complimentary golf lessons every year.
Free 6 month online purchase protection on mobile and electronics.
INR 1,000 worth Myntra voucher will be provided for free on your birthday month.
A free woman centric health check up.
Lower foreign currency mark-up at 2.75%.
Lounge Access
1 free domestic lounge access per quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Welcome vouchers worth INR 1,000. 5,000 bonus Yes Rewardz points on spending INR 50,0000 in the first 90 days.
Milestone Benefits
Milestone Benefits: User will get INR 10,000 Rewardz Points on acheiving annual spends of INR 1,00,000.
Cashback Rate
Value of 1 YES Rewardz Point is INR 0.25.
Users will get 12 YES Rewardz Points on spends of every INR 200 on online fashion, beauty, travel, dining and grocery spends.
Accelerated Online Cashback Rate: 1.5%.
Users will get 8 YES Rewardz Points on all other online spends per INR 200.
Online Cashback Rate: 1%.
Users will get 4 YES Rewardz Points on all offline spends per INR 200.
Offline Cashback Rate: 0.5%.
MyRupaya Tip: Use the card for purchasing coupons /tickets on the Yes Bank rewards portal to get more value out of each point.
Movie Benefits
Buy one get one movie ticket free on District app every month. Ticket free upto INR 250.
Dining Benefits
None.
Other Benefits
Buy one get one coffee free at select coffe stores across India, available twice per month.
Free Economic Times subscription and three month Sony Liv plan.
Free 4 golf fee waivers and 12 complimentary golf lessons every year.
Free 6 month online purchase protection on mobile and electronics.
INR 1,000 worth Myntra voucher will be provided for free on your birthday month.
A free woman centric health check up.
Lower foreign currency mark-up at 2.75%.
Lounge Access
1 free domestic lounge access per quarter.
Fees & Charges of
Yes Essence Credit Card
Joining Fee
INR 799
Annual Fee
INR 799
Cash Advance Fee
2.5% or the transacted amount or Rs. 300 (whichever is higher).
Interest rate
3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Transactions Fee
2.75%
Other Fees
None.
Joining Fee
INR 799
Annual Fee
INR 799
Cash Advance Fee
2.5% or the transacted amount or Rs. 300 (whichever is higher).
Interest rate
3.80% per month (45.6% annually) on Overdue amounts and 2.49% per month against Fixed Deposit.
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Transactions Fee
2.75%
Other Fees
None.
Fee and Charges of
Yes Essence Credit Card
Special Features
Free movie ticket per month.
Eligibility Criteria
Age: Between 21 and 60 years of age
Employment: Salaried or self employed
Minimum Income: Minimum Net Salary of INR 30,000 per month
Gender: Applicant has to be a woman.
You cannot be holding another Yes Bank Credit Card.
Speical Feature, Eligibility and Benefits of
Yes Essence Credit Card
How to apply for Credit Card?
Visit the Yes Bank website (https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards).
Navigate to the 'Credit Cards' section and select 'Yes Essence Credit Card'.
Click on 'Apply Now' and fill out the online application form.
You'll need to submit scanned documents like PAN card, ID proof, income proof (salary slips/ITR documents), etc.
Contact Details
1800 1200
Account Opening and Procedure of
Yes Essence Credit Card
Product Review of
Yes Essence Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
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 of
Yes Essence Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
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
