YES BANK
MARQUÉE Credit Card
PremiumOnline shoppingLoungeTravel
Checked 2 Oct 2026 ·
Annual fee₹4,999+ GST
Forex markup1%
Interest2.99%a month
Network
You earn
Perks & rules
What changed
15 Jun 2026No points on insurance, education, railways, toll and ferry spends
15 Jun 2026Cash advance fee now 2.5% or ₹650, whichever is higher (was minimum ₹500)
15 Jun 2026Fuel surcharge waiver range changed to ₹500–₹5,000 (was ₹400–₹5,000)
1 Apr 2025Domestic lounge access needs ₹1 lakh spend in the previous calendar quarter
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points (YES Rewardz)
Base rate18 points per ₹200 on offline spends
Higher rates
- Online: 36 points per ₹200 on online spends
- Utilities: 10 points per ₹200 on utilities (MCC 4900) and cable/streaming (MCC 4899)
Limits
- Up to 1 lakh points per statement cycle
- Utility spends: up to 1,250 points per statement cycle
Doesn't earn on
- Rent, wallet loads, fuel, government, marketing/advertising, cash withdrawals, post-purchase EMI and Instant EMI
- Insurance, education, railways, toll and ferry
Where it landsNot stated on product page
What a point is worth
Value1 point = ₹0.25 on flights/hotels, ₹0.15 as e-gift vouchers, ₹0.10 as statement credit or merchandise; 10 points = 1 Air India Maharaja mile
Expiry36 months from the date earned
Redemption fee₹100 + GST per redemption; minimum 2,000 points; ₹99 + GST convenience fee on flight bookings
Welcome benefit
Welcome40,000 points after you pay the joining fee on time; ET Prime voucher after the fee is paid
Milestones
Milestones
- 20,000 points each year the renewal fee is charged
Airport lounges
Domestic6 visits a quarter (primary and add-on together) if you spent ₹1 lakh in the previous calendar quarter
InternationalUnlimited visits via Priority Pass for primary and add-on cardholders
Fuel
Fuel1% surcharge waiver on ₹500–₹5,000, up to ₹1,000 a statement cycle; no points on fuel
Spending abroad
Forex markup1%
Fees
Joining fee₹9,999 + GST
Annual fee₹4,999 + GST from the second year
Fee waiverRenewal fee waived on ₹10 lakh retail spend in the 12 months before the card anniversary
If you pay late
Late feeNil if outstanding is up to ₹500; above that, 10% of the statement balance or ₹1,350, whichever is lower
Interest2.99% a month (35.88% a year)
Cash withdrawal2.5% or ₹650, whichever is higher
Who can apply
Age21–60 years
SalariedNet salary of ₹3 lakh a month or more; not for existing YES BANK credit card holders
Self-employedIncome tax return of ₹36 lakh a year or more
More perks
Perks
- Buy 1 get 1 movie tickets on BookMyShow: up to 3 free tickets a month, ₹800 off per ticket
- Purchase protection: 6 months' cover against accidental damage for phones and electronics bought online
- Golf: 4 green fee waivers (period not stated) and 1 free lesson every calendar month, at select courses in India
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- MARQUÉE Credit Card product page Product page · 2 Oct 2026
- YES BANK Credit Card MITC (CMITC_V18_28092026) Fee schedule · 28 Sep 2026
- YES BANK Credit Card Redemption Rules Card T&C · 2 Oct 2026
- MARQUÉE value chart Product guide · 2 Oct 2026
- YES BANK Domestic Lounge Program T&C Card T&C · 2 Oct 2026
Card image: YES BANK's own website.
