In-depth review
YES Bank Marquee Credit Card
YES Bank's most interesting card — a genuine ~4.5% online earn rate (36 points per ₹200, redeemed for travel at ₹0.25) and a low 1% forex markup in a polished super-premium package, with a rich welcome bonus, 36 movie tickets and golf. The catches define it: voucher redemption was devalued to ₹0.15 (so redeem for flights/hotels, not vouchers), domestic lounge access is spend-gated, the transfer partners are thin, and YES Bank keeps revisiting its premium terms. Worth a slot for the online-focused traveller who redeems deliberately; not a card to build a wallet around.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹10,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
4.5% on Online Shopping
36 reward points per ₹200 online (~4.5% redeemed for flights/hotels at ₹0.25; ~2.7% via vouchers at ₹0.15); capped at 1,00,000 points per statement cycle
2.25% on Other
18 reward points per ₹200 offline (~2.25%); points expire 36 months; redemption cap 70% of invoice / 300k points/month
Airport Lounge Access
Unlimited international lounge access (not spend-gated) plus 6 domestic visits per quarter, domestic unlocked by ₹1 lakh spend in the prior calendar quarter; 4 international + 2 domestic guest visits a year
Annual Fee Waiver
Fee of ₹4,999 + 18% GST (₹5,899 all-in)/yr fully waived when you spend ₹10,00,000/year
Golf Privileges
One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses
24x7 Concierge
24x7 lifestyle concierge with bespoke travel and dining services
Movie Ticket Benefit
Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less)
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
1%
OTT cashback rate
- Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹8,000
Golf perk value
- 24x7 lifestyle and travel concierge
- Complimentary golf access at premium courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
✓
International lounges
₹24,000
Estimated annual value
1%
Forex markup
- Domestic + international airport lounge access (worth ~₹24,000/yr)
- Low forex markup: 1.0%
For online-focused travellers who will redeem points for flights/hotels (where they hold ₹0.25) and use the lounges, movies and golf. Not for voucher-redeemers (devalued to ₹0.15) or anyone wanting a primary card.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 4.5%18 pts/₹100 × ₹0.25 | ₹25,000 |
| Other | reward points | 2.25%9 pts/₹100 × ₹0.25 | — |
| OTT & Entertainment | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Utility Bills | reward points | 1.25%5 pts/₹100 × ₹0.25 | ₹313 |
Online Shopping: 36 reward points per ₹200 online (~4.5% redeemed for flights/hotels at ₹0.25; ~2.7% via vouchers at ₹0.15); capped at 1,00,000 points per statement cycle
Other: 18 reward points per ₹200 offline (~2.25%); points expire 36 months; redemption cap 70% of invoice / 300k points/month
OTT & Entertainment: 10 YES Rewardz per ₹200 on Select categories — cable / pay-TV / streaming are MCC 4899 (eff. 15-Jun-2026)
Utility Bills: 10 YES Rewardz per ₹200 on Select categories — utilities are MCC 4900 (eff. 15-Jun-2026); utility points capped at 1,250 per statement cycle
Earns nothing on: Rent · Wallet Loads · Fuel · Government & Tax · Insurance · Education · EMI Conversions · Cash Advances · Railways / Toll / Ferry · Marketing and advertising (MCC 5960-5969 and 7311)
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹11,799 |
| Finance charge (APR) | 2.99% p.m. |
| Forex markup | 1% |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹51,199/yr in total.
24x7 lifestyle concierge with bespoke travel and dining services
One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses
Unlimited international lounge access (not spend-gated) plus 6 domestic visits per quarter, domestic unlocked by ₹1 lakh spend in the prior calendar quarter; 4 international + 2 domestic guest visits a year
Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less)
Complimentary annual ET Prime subscription, redeemed via the YES Bank benefits portal
1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹1,000 per statement cycle (eff. 15-Jun-2026)
Should you get it?
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Online Shopping (4.5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✕ Cons
- Existing YES Bank credit cardholders are not eligible for a new card application
- Reward points expire 36 months (3 years) after they are earned
- Rent, wallet loads, fuel, government, insurance, education and EMI spends earn no points at all
Eligibility & documents
This is the figure for salaried applicants. Where YES Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem YES Reward Points on the YES rewardz portal for vouchers, products and travel
- 🎁Statement credit against eligible spends
- 🎁Best value on online spends where the 4.5% earn rate applies
What your YES Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 50% of the point balance; ₹100 + GST per redemption request
Capped at 50% of the balance and ₹25,000 a calendar month
YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights
Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
Value needs disciplined flight/hotel redemption (vouchers devalued to ₹0.15), domestic lounges are spend-gated, transfer partners are thin post-merger, and YES Bank's habit of revising premium terms adds uncertainty.
Frequently asked questions
How much does Marquee earn on online spends?
What is the annual fee?
Is domestic lounge access unlimited?
Does it have movie benefits?
Is there a fee to redeem reward points?
How has the YES Bank Marquee Credit Card changed over time?
Has the YES Bank Marquee Credit Card been devalued recently?
When did the YES Bank Marquee Credit Card's fees last change?
How did the YES Bank Marquee Credit Card change in 2026?
The bottom line
Marquee is genuinely interesting — ~4.5% online (redeemed for flights/hotels), a low 1% forex, 40,000-point welcome, 36 movie tickets and golf. But the catches define it: redeem for vouchers and the rate drops to ~2.7%, domestic lounges are spend-gated, transfer partners are thin (Club Vistara gone), and YES keeps revisiting its terms. A deliberate-redeemer's second card, not a wallet anchor.
How this page was built
Counted from this card’s own record: 4 earn rules, 2 of them capped, the spends listed as earning nothing and 6 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the YES Bank Marquee Credit Card are taken from YES Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
YES Bank Marquee Credit Card
YES Bank's most interesting card — a genuine ~4.5% online earn rate (36 points per ₹200, redeemed for travel at ₹0.25) and a low 1% forex markup in a polished super-premium package, with a rich welcome bonus, 36 movie tickets and golf. The catches define it: voucher redemption was devalued to ₹0.15 (so redeem for flights/hotels, not vouchers), domestic lounge access is spend-gated, the transfer partners are thin, and YES Bank keeps revisiting its premium terms. Worth a slot for the online-focused traveller who redeems deliberately; not a card to build a wallet around.
YES First Exclusive Credit Card (now YES Bank RESERV)
The card that once paired the two things travellers most want — zero forex and unlimited lounges — no longer exists under that name. YES Bank rebranded it as the RESERV and repositioned it down: the fee fell from ~₹10,000 to ₹2,499, forex is now low (no longer zero), and lounge access is spend-linked. What remains is a capable mid-premium card with rare insurance/utility earning, best judged on its leaner 2026 terms.
YES Bank Ace Credit Card
The budget option in YES Bank's range — a ₹499 no-frills online-shopping card with the easiest fee waiver going (₹50,000 annual spend). Earns 8 YES Rewardz per ₹200 online (capped 5,000/cycle), ~0.8% at the everyday point value. No lounge, golf or movie benefits — the extras are a coffee buy-one-get-one and purchase protection. Sold on Visa per our records and not UPI-linked.
YES Bank Wellness Plus Credit Card
A health-themed YES Bank card whose value is in services, not rewards — 12 fitness sessions a month, an annual health check-up (per the Aditya Birla Activ Health list), unlimited doctor consultations, and 5X points at pharmacies. But the base earn is a weak 0.6%, and per YES Bank's MITC the ₹1,499 annual fee is not waivable on spend. Worth it only if you will actually use the wellness benefits.
YES Bank Elite+ Credit Card
A ₹999 YES Bank rewards card built for online spend — 12 points per ₹200 online (~1.2%), 6 offline, with domestic and international lounge access and a BookMyShow discount. The joining fee waives on ₹20k in the first month and renewal on ₹2 lakh a year, so it's good value if you clear those bars and redeem points for travel, not vouchers.
YES Private Prime Credit Card
The value-conscious way into YES Bank's Private tier — invite-only, with the same market-low 0.50% forex, the same 2.5%/5% reward earn, the same ₹9,000 Oberoi voucher and the same unlimited lounges as the flagship, at a ₹20,000 joining fee instead of ₹50,000. The trade-offs: 4 guest lounge visits instead of 12, and a non-waivable joining fee.
YES Bank Essence Credit Card
A ₹799 lifestyle rewards card built around online spends — 12 YES Rewardz per ₹200 on fashion, beauty, dining, travel and grocery, a monthly movie buy-one-get-one and a spend-gated quarterly lounge visit. Honest everyday return is ~1.2% once you value points realistically; best if you redeem for flights and hotels.
YES Private Credit Card
YES Bank's most exclusive metal card — invite-only, with a market-low 0.50% forex, unlimited domestic and international lounges (12 guest visits, no international spend-gate), a ₹9,000 Oberoi voucher and generous golf, on top of a 20-points-per-₹200 domestic / 40-per-₹200 international earn (~2.5%/5%). The catch is a non-waivable ₹50,000 joining fee. A relationship card for existing YES Private clients and heavy overseas spenders.
YES Bank Select Credit Card
An affordable ₹599 entry card that leans on perks — one quarterly domestic lounge visit, four golf green-fee rounds a year and a monthly movie BOGO — rather than raw earn. Online spends make 8 YES Rewardz per ₹200 (capped 5,000/cycle), a modest ~0.8% at the everyday point value. Judge it on the perk bundle and low fee.
YES Prosperity Cashback Credit Card
Closed to new customers: YES Bank has discontinued issuance of the Prosperity Cashback (existing holders get a renewal on expiry), so this is a guide for holders. It was the ₹999 base of the Prosperity cashback line — 5% back on groceries, movies and utility bills, 0.5% elsewhere. The limits defined it: two separate ₹100-per-cycle caps (one for groceries and movies, one for auto-paid utilities), and per YES Bank's MITC the fee was never waivable on spend.
YES First Preferred Credit Card
It earned its name as the most affordable zero-forex premium card — but that's now out of date. After YES Bank's 2026 revisions, the First Preferred carries a 2.00% forex markup effective 15-Jun-2026 (up from 1.75% — and not zero), plus higher cash-advance and other charges. Still a fair travel card with lounges and golf — though the healthcare and fashion bonus categories it gets credit for come from a paid add-on, not the card. Just don't choose it for the badge it no longer wears.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jun 2026
2026
- ▼ RedemptionEffective 15 Jun 2026
A ₹100 fee now applies every time you redeem reward points
No charge to redeem→₹100 + GST per redemption
From 15 June 2026 YES Bank charges ₹100 plus GST each time reward points are redeemed on the Marquee. The bank's consolidated Most Important Terms and Conditions applies this fee to only two cards in the range — the Marquee and the RESERV — so it is a targeted change rather than a bank-wide one. On its own the amount is small, but it penalises redeeming in small batches: the flat charge is the same whether you cash out 1,000 points or 3,00,000, so the sensible response is to redeem less often and in larger amounts. The Marquee's 1.00% foreign-currency markup was left untouched in the same revision.
Verification: YES Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Jun 2026
Cash-advance, auto-debit-failure and cash-deposit charges raised
Cash advance 2.5% or 500 rupees; auto-debit failure 2% or 450 rupees capped at 1,500; branch cash deposit 100 rupees→Cash advance 2.5% or 650 rupees; auto-debit failure 2.5% or 500 rupees capped at 5,000; branch cash deposit 500 rupees
Three servicing charges went up together on 15 June 2026. The minimum cash-advance fee rose from 500 to 650 rupees, the charge for a failed auto-debit went from 2% or 450 rupees to 2.5% or 500 rupees, and depositing cash at a branch to repay the card went from 100 to 500 rupees. The auto-debit change is the one worth noticing: alongside the higher rate, the per-statement ceiling on that charge moved from 1,500 rupees to 5,000, so a large missed payment can now cost several times what it would have before. None of these touch ordinary card spending - they are the cost of borrowing cash, bouncing a payment, or repaying over the counter.
Verification: YES Bank ↗ · Confidence: High
- ▼ BenefitEffective 15 Jun 2026
Fuel surcharge waiver band narrowed to 500 to 5,000
400 to 5,000 rupees→500 to 5,000 rupees
The 1% fuel surcharge waiver still applies, but the window of transactions that qualify for it moved on 15 June 2026. YES Bank replaced the single 400-to-5,000-rupee band that covered its whole range with a per-variant table, and this card sits in the 500 to 5,000-rupee band. The floor rising to 500 rupees is the part most likely to bite: small top-ups that used to earn the waiver no longer do. The Marquee keeps the range's most generous ceiling on the waiver itself, at 1,000 rupees a statement cycle.
Verification: YES Bank ↗ · Confidence: High
- ▲ BenefitEffective 1 Jun 2026
Over-limit facility reinstated, at 550 rupees a transaction
Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined→Available again, at a flat 550 rupee charge per over-limit transaction
YES Bank brought back the over-limit facility on 1 June 2026, thirteen months after withdrawing it. The Marquee was covered by both the withdrawal and the reinstatement. A transaction that takes the balance past the sanctioned limit now goes through rather than being declined, and carries a flat charge of 550 rupees plus GST. Whether any given account gets the facility, and how far over the limit it may go, is set by the bank from the customer's credit profile and repayment record rather than being a published entitlement. It is a convenience worth having in an emergency and an expensive habit otherwise, since the charge applies per offending transaction.
Verification: YES Bank ↗ · Confidence: High
2025
- ▼ BenefitEffective 1 May 2025
Over-limit facility discontinued
From 1 May 2025 YES Bank discontinued the over-limit facility on its credit cards; spends above the sanctioned limit are declined and the ₹500 overlimit charge no longer applies.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/yes-marquee#value-timeline">YES Bank Marquee Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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