YES Essence Credit Card 2026: Benefits, Rewards, Fees, Eligibility & More
- Sneha Gupta
- 1 day ago
- 5 min read
The YES Essence Credit Card is crafted for women who wish to get benefits for their regular online purchases, as well as lifestyle, entertainment, travel and wellness.
The card features perks that go beyond the standard reward points, such as ₹1,000 welcome vouchers, rewards that are boosted for spending beyond a certain threshold, and movie discounts, lounge access, golf discounts and other accelerated rewards for spending on fashion, beauty, travel, dining and grocery items.
YES Essence Credit Card may be a good choice for those who are avid online shoppers and spend money on lifestyle items.
YES Essence Credit Card Welcome Benefits
When you select a credit card, one of the first things to look at is what you will obtain after you have received your card.
With the YES Essence Credit Card, you can get:
Welcome vouchers worth ₹1,000
5,000 bonus YES Rewardz points on spending ₹50,000 within the first 90 days of card setup
If you wish to avail the bonus Rewardz points, then you must remember that you have to spend ₹50,000 to unlock the reward. These are currently being offered as part of the welcome/milestone benefits of YES Bank at present.
Note: ₹50,000 mentioned here is based on the present card terms; the ‘₹50,0000’ in the provided data seems to be a typographical error.
YES Essence Credit Card Milestone Benefits
The card also rewards you for spending a certain amount within a set time frame, which is once a year.
10,000 Bonus YES Rewardz Points
on achieving ₹1,00,000 in annual spends.
This can increase the value of the card for those who are able to meet the annual spending goal. It can also help to offset the annual fee, depending on your spending habits and how you utilise the other advantages of the card.
YES Essence Credit Card Reward Points & Cashback Rate
The YES Essence Credit Card has different reward rates depending on where and how you spend.
1.5% Effective Reward Rate on Select Online Spends
You earn 12 YES Rewardz Points for every ₹200 spent online on:
Fashion
Beauty
Travel
Dining
Grocery
12 YES Rewardz Points are worth ₹3 if each individual YES Rewardz Point is worth ₹0.25.
So, ₹3 reward value on ₹200 spending works out to an effective 1.5% reward rate.
1% Effective Reward Rate on Other Online Spends
For other eligible online spending, you earn:
8 YES Rewardz Points per ₹200
At ₹0.25 per point, this equals ₹2 in reward value on ₹200 spent, giving an effective 1% reward rate.
0.5% Effective Reward Rate on Offline Spends
For eligible offline transactions, you earn:
4 YES Rewardz Points per ₹200
That is ₹1 in reward value on ₹200 spent, giving an effective 0.5% reward rate.
YES Bank confirms the three reward tiers: 12 points per ₹200 on selected online categories, 8 points per ₹200 on other online shopping and 4 points per ₹200 on offline spending. Certain categories, including rent, fuel, wallet loads, government services, insurance, education and some EMI transactions, are excluded from earning Rewardz.
Reward Rate at a Glance
Spending Category | Reward Rate | Effective Value* |
Online fashion, beauty, travel, dining & grocery | 12 points/₹200 | 1.5% |
Other eligible online spends | 8 points/₹200 | 1% |
Eligible offline spends | 4 points/₹200 | 0.5% |
Based on the ₹0.25 per YES Rewardz Point value provided for this card.
MyRupaya Tip
Don't just collect reward points—redeem them smartly.
You can explore vouchers, tickets and other redemption options available through the YES Bank rewards ecosystem to potentially get better value from your YES Rewardz points.
YES Essence Credit Card Movie Benefits
Movie lovers get an easy-to-use monthly benefit with this card.
You can get a:
Buy 1 Get 1 movie ticket offer every month
The offer is available through the District app, with the second ticket benefit capped at ₹250.
So, if you regularly go to the movies, this can be a useful recurring lifestyle benefit.
Other YES Essence Credit Card Benefits
The card isn't limited to rewards and movies. It also comes with several lifestyle-focused benefits.
Buy 1 Get 1 Coffee
Get a Buy 1 Get 1 coffee offer at select coffee stores across India, available twice a month, subject to applicable terms.
Complimentary ET Prime & SonyLIV
Cardholders can get a complimentary Economic Times Prime subscription along with a 3-month SonyLIV plan as part of the card's lifestyle benefits.
Golf Benefits
Golf enthusiasts can enjoy:
4 complimentary green fee waivers
12 complimentary golf lessons every year
These benefits are subject to applicable terms and participating locations.
Purchase Protection
The card also provides 6-month online purchase protection on eligible mobile and electronic purchases, subject to the applicable terms.
Birthday Benefits
Your birthday month comes with additional perks, including:
₹1,000 Myntra voucher
Complimentary women-centric health check-up
YES Bank currently highlights the ₹1,000 Myntra voucher and annual health check-up voucher among the card's key benefits.
Lower Forex Markup
For international transactions, the card has a 2.75% foreign currency markup, which can be useful for cardholders who occasionally spend internationally.
YES Essence Credit Card Lounge Access
If you travel by air, the card also offers domestic airport lounge access.
1 complimentary domestic lounge access per quarter
The lounge benefit is based on spending. As per the published terms, the complimentary domestic lounge visit will be granted if you spend a minimum of ₹25,000 in the last quarter.
So, this benefit is more useful for cardholders who regularly meet the quarterly spending requirement.
YES Essence Credit Card Fees & Charges
Here are the key charges associated with the card:
Fee | Charge |
Joining Fee | ₹799 |
Annual Fee | ₹799 |
Foreign Currency Markup | 2.75% |
Cash Advance Fee | As per applicable card terms |
Interest Rate | As per applicable card terms |
The current YES Bank card listing lists the YES Essence Credit Card with a ₹799 joining fee, a renewal fee of ₹799, and features a limited-period Lifetime Free offer. Promotional fee offers may vary, so check the fee that is posted when filing your application.
The published conditions for this card also say that the join fee can be cancelled if the initial spending condition is met and the annual fee can be avoided if the annual spending condition is met.
YES Essence Credit Card Eligibility
The YES Essence Credit Card has been designed for women with steady income and spending habits.
These are the most frequently stated eligibility requirements:
Age: 21 to 60 years
Employment: Salaried
Minimum monthly income: ₹30,000
Gender: Female applicants
Requirements for eligibility, approval and income may vary according to YES Bank's prevailing criteria in the market.
How to Apply for YES Essence Credit Card?
You can apply for the YES Essence Credit Card through the official YES Bank website.
Steps:
Visit the YES Bank Credit Cards section.
Select YES Essence Credit Card.
Click on Apply Now.
Enter your personal and employment details.
Submit the required documents.
Complete the application and verification process.
Is YES Essence Credit Card Worth It?
If you tend to shop online for fashion, beauty, eating out, travelling, and groceries, the YES Essence Credit Card may make sense for you.
The most attractive features of its offer are the 1.5% rewards on certain online categories, the ₹1,000 welcome vouchers, the 5,000 bonus Rewardz on spending ₹50,000, the 10,000 bonus points on spending ₹1 lakh in a year, the monthly movie perks, the birthday special and the lifestyle privileges.
But if you spend a majority of your money in the unlisted categories or do not redeem items like movie credits, lounge privileges or golf/business club membership, the card might not be as appealing.
Final Verdict
This card is worth considering if you're searching for a YES Essence credit card for women offering rewards through the web and lifestyle advantages. The trick is to use it to get the biggest rewards and ensure you can hit the spending targets without overspending.
Comments