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YES Bank Marquee Credit Card

MyRupaya Ratings
औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

YES Bank Marquee Credit Card

Bank Name :

Yes Bank

प्रकार

Lifestyle Credit Card

ब्याज दर

2.99% per month (35.88% annually)

पात्रता

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
पेशेवरों
  • Welcome Bonus:  Users will get 40,000 YES reward points as joining benefits. 

  • Reward System: 1 YES reward point = Rs. 0.25. Users will earn 36 YES rewardz points for every Rs. 200 spent on online shopping. Effective cashback rate: 4.5% (Online shopping). Users will earn 18 YES rewardz points for every Rs. 200 spent on offline shopping. Effective cashback rate: 2.25% (Offline shopping). Users will earn 10 YES rewardz points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments). Effective cashback rate: 1.25% (All other categories).

  • Unlimited Lounge Access: Users can enjoy stress-free airport experiences with unlimited access to domestic and international airport lounges through priority pass.

  • Golf Program: Users can 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.

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

दोष
  • 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.

पक्ष विपक्ष
Welcome Benefits

40,000 YES reward points as joining benefits. 

पुरस्कार प्रणाली
  • 1 YES rewardz point = Rs. 0.25.

  • Users will earn 36 YES rewardz points for every Rs. 200 spent on online shopping. Effective cashback rate: 4.5% (Online shopping).

  • Users will earn 18 YES rewardz points for every Rs. 200 spent on offline shopping. Effective cashback rate: 2.25% (Offline shopping).

  • Users will earn 10 YES rewardz points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments). Effective cashback rate: 1.25% (All other categories).

  • Users will earn 2 bonus reward points for every Rs. 100 spent on international transactions.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Foreign Currency Mark-up of 1%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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

फ़ायदे
  • 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.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  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.

सम्पर्क करने का विवरण

'+91 22 49350000

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

  • Welcome Bonus:  Users will get 40,000 YES reward points as joining benefits. 

  • Reward System: 1 YES reward point = Rs. 0.25. Users will earn 36 YES rewardz points for every Rs. 200 spent on online shopping. Effective cashback rate: 4.5% (Online shopping). Users will earn 18 YES rewardz points for every Rs. 200 spent on offline shopping. Effective cashback rate: 2.25% (Offline shopping). Users will earn 10 YES rewardz points for every Rs. 200 spent on select categories (rentals, wallet loading, recharges & utility bill payments, insurance and government payments). Effective cashback rate: 1.25% (All other categories).

  • Unlimited Lounge Access: Users can enjoy stress-free airport experiences with unlimited access to domestic and international airport lounges through priority pass.

  • Golf Program: Users can 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.

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

  • 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.

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.

Yes Bank Marquee Credit 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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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%

ईंधन अधिशुक्ल

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

Billing Cycle

30 Days

फीस एवं प्रभार
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