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YES Bank Marquee Credit Card Review 2026
The yes bank marquee credit card earns 4.5% on online spend (36 RP/₹200 at ₹0.25/RP), unlimited domestic and international lounge access for primary and add-on cardholders, 1% forex markup, BOGO movies on BookMyShow, and 40,000 welcome points worth ₹10,000. Annual fee ₹4,999 waived at ₹10L spend.
4.1
/5
Card24 Score
Rewards 4.3
Travel 4.4
Fees 4
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹9,999*
Online Earn Rate
36 YES Rewardz Points*
Lounge Access
Unlimited international lounge access for primary + add-on cardholders (unconditional)*
Forex Markup
1%
Credit Card Verdict YES Bank Marquee
What we like
- The yes bank marquee credit card delivers 4.5% effective return on all online spends - 36 YES Rewardz Points per ₹200 at ₹0.25 per point - which is the highest online reward rate available on any super-premium card in India as of 2026. It surpasses HDFC Diners Club Black (3.33% on eligible), ICICI Emeralde Private Metal (3%), and SBI Aurum (2.5%) on pure online earn rate. For heavy e-commerce, OTT, and subscription spenders, the yes bank marquee credit card is the mathematical winner.
- yes bank marquee credit card lounge access for both primary and add-on cardholders - unlimited internationally, 24 domestic visits/year - is one of the most generous lounge packages at the ₹4,999 annual fee tier. The unconditional unlimited international access for add-on cardholders means a couple or family travelling internationally together never pays for a lounge visit. At market rates of $35/international visit, two add-on cardholders on 10 international trips each save ₹58,800/year in lounge costs.
- The yes bank marquee credit card earns reward points on categories that most premium cards exclude: utility bill payments, insurance premiums, recharges, rent, and wallet loads all earn at 10 RP/₹200 (1.25%) - versus zero on most competing cards. This breadth means even cardholders with modest online shopping habits can accumulate YES Rewardz Points across their full monthly spend portfolio.
- The yes bank marquee credit card's welcome benefit of 40,000 YES Rewardz Points (₹10,000 value at ₹0.25/point) effectively nullifies the ₹9,999 joining fee in the first year. Combined with a complimentary Prime subscription, the first-year net cost of the card is essentially ₹0 for anyone who actively uses the welcome points. Renewal delivers 20,000 RP (₹5,000 value) on fee payment - a meaningful partial offset of the ₹4,999 annual fee.
Watch out for
- yes bank marquee credit card reward points redeem at ₹0.25 per point - the lowest redemption value among India's super-premium cards. HDFC Infinia offers ₹1/point via SmartBuy; ICICI Emeralde Private Metal at ₹0.50 for premium vouchers. To earn equivalent value at 4.5% online spend, the yes bank marquee credit card needs to accumulate more points than competitors earning at lower rates. The 70% flight/hotel redemption cap means you always pay 30% via card, not fully via points.
- yes bank marquee credit card domestic lounge access (24 visits/year, 6/quarter) requires ₹1 lakh spend in the previous calendar quarter to qualify. Cardholders who spend less than ₹1L in any quarter forfeit all 6 domestic lounge visits for the following quarter. This spend condition is a meaningful restriction - missing it by ₹1 costs all 6 quarterly lounge visits.
- yes bank marquee credit card miles redemption is restricted to Club Vistara and Intermiles only - a significant limitation compared to cards like Axis Magnus (16+ airline partners) or HDFC Infinia (multiple airline and hotel programs). Frequent flyers on IndiGo, Air India, or international carriers outside these two programs will find the yes bank marquee credit card's miles transfer options restrictive for their preferred travel programs.
- YES Bank credit card features and benefits are subject to frequent unilateral changes - cardexpert.in and multiple user communities have noted that yes bank marquee credit card terms are updated without advance notice. Before making card selection decisions based on specific benefits, verify current terms at yesbank.in as the card reviewed here reflects publicly available information as of July 2026.
Card24.ai review of the yes bank marquee credit card reflects publicly available data from yesbank.in and verified aggregators as of July 2026. YES Bank frequently updates credit card features - verify current terms at yesbank.in before applying. Domestic lounge conditional on ₹1L spend/quarter. Redemption capped at 70% for flights/hotels. yes bank marquee credit card miles transfer: Club Vistara and Intermiles only. 1 RP = ₹0.25.
Credit Card Achievers YES Bank Marquee
Is the YES Bank Marquee Credit Card Worth the ₹9,999 Joining Fee?
The yes bank marquee credit card is worth the ₹9,999 joining fee for heavy online spenders and international travellers. The 40,000 welcome YES Rewardz Points (₹10,000 value) offset the joining fee entirely in Year 1 - meaning the first-year net cost is ₹0. At 4.5% on online spends, a cardholder spending ₹1L/month online accumulates ₹54,000 in annual yes bank marquee credit card reward value versus ₹24,000 on a 2% card - a ₹30,000 annual differential that more than covers the ₹4,999 annual fee.
Beyond online rewards, the yes bank marquee credit card's travel benefits stack meaningfully. Unlimited international lounge access for both primary and add-on cardholders (unconditional), 24 domestic lounge visits/year, 1% forex markup, BOGO on BookMyShow (up to 3 tickets/month, ₹800 max), 12 golf lessons/year, and ₹15L credit shield insurance - all included at ₹4,999 annual fee (waived at ₹10L spend). For anyone spending ₹10L+ per year, the yes bank marquee credit card annual fee disappears and all benefits are effectively free.
The yes bank marquee credit card's miles transfer is limited to Club Vistara and Intermiles only - a meaningful restriction for frequent flyers on other airline programs who want to accumulate miles across multiple carriers. For flexible airline mile accumulation with no-forex markup and unlimited lounge, BOBCARD Etihad Guest Premium offers a complementary option.
Beyond online rewards, the yes bank marquee credit card's travel benefits stack meaningfully. Unlimited international lounge access for both primary and add-on cardholders (unconditional), 24 domestic lounge visits/year, 1% forex markup, BOGO on BookMyShow (up to 3 tickets/month, ₹800 max), 12 golf lessons/year, and ₹15L credit shield insurance - all included at ₹4,999 annual fee (waived at ₹10L spend). For anyone spending ₹10L+ per year, the yes bank marquee credit card annual fee disappears and all benefits are effectively free.
The yes bank marquee credit card's miles transfer is limited to Club Vistara and Intermiles only - a meaningful restriction for frequent flyers on other airline programs who want to accumulate miles across multiple carriers. For flexible airline mile accumulation with no-forex markup and unlimited lounge, BOBCARD Etihad Guest Premium offers a complementary option.
Best For: High-income online shoppers and international travellers spending ₹1L+ online per month who want 4.5% rewards, unlimited lounge for two cardholders, 1% forex, and the yes bank marquee credit card's comprehensive super-premium benefit ecosystem.
YES Bank Marquee Credit Card Benefits
How to Maximise the YES Bank Marquee Credit Card's 4.5% Rewards and Lounge Benefits
Route ALL Online Spend Through This Card for 4.5% - The yes bank marquee credit card's 36 RP/₹200 online earn (4.5%) is nearly double the offline rate (2.25%). Every online purchase - Amazon, Flipkart, Swiggy, Zomato, airline portals, hotel booking sites, OTT subscriptions, SaaS tools, and online grocery - should go through this card. Never use your debit card or another credit card for online spend. At ₹1L/month online, routing consistently earns ₹4,500/month in yes bank marquee credit card reward value versus ₹2,250/month offline.
Spend ₹1L Each Quarter to Unlock 6 Domestic Lounge Visits - The yes bank marquee credit card domestic lounge access (6 visits/quarter = 24/year for primary + add-on) activates only if you spent ₹1 lakh in the previous calendar quarter. Track your quarterly spend via YES Bank mobile app - if you're at ₹90,000 by the last week of March, use the yes bank marquee credit card for a one-time large purchase (insurance renewal, electronics) to cross ₹1L and unlock all 6 April–June domestic lounge visits.
Redeem Points on Flights/Hotels, Not Merchandise - yes bank marquee credit card reward point value at ₹0.25/RP is consistent only on flights, hotels, and select vouchers - merchandise catalog redemptions typically yield sub-₹0.10 per point. Always redeem on the YES Rewards travel portal for flights or hotels. Remember the 70% booking cap: a ₹10,000 flight ticket can have ₹7,000 paid via points (28,000 RP) and ₹3,000 via card. Never redeem yes bank marquee credit card points for merchandise.
Add Spouse/Partner to Unlock Unlimited International Lounge for Two - The yes bank marquee credit card's most underused benefit: unlimited international lounge access extends to add-on cardholders unconditionally. Adding a spouse or partner as an add-on cardholder means two people access every international lounge on every trip - no spend conditions, no visit limits. On 20 international trips for two people, the yes bank marquee credit card saves ₹1,40,000 in lounge costs at $35/visit market rate.
Pair With BOBCARD Etihad for Airline Miles Flexibility - The yes bank marquee credit card miles transfer is restricted to Club Vistara and Intermiles only. For frequent IndiGo, Air India, or international airline flyers who want to accumulate airline-specific miles alongside 4.5% online rewards, BOBCARD Etihad Guest Premium offers 0% forex and Etihad miles (6/₹100 on Etihad flights).
Spend ₹1L Each Quarter to Unlock 6 Domestic Lounge Visits - The yes bank marquee credit card domestic lounge access (6 visits/quarter = 24/year for primary + add-on) activates only if you spent ₹1 lakh in the previous calendar quarter. Track your quarterly spend via YES Bank mobile app - if you're at ₹90,000 by the last week of March, use the yes bank marquee credit card for a one-time large purchase (insurance renewal, electronics) to cross ₹1L and unlock all 6 April–June domestic lounge visits.
Redeem Points on Flights/Hotels, Not Merchandise - yes bank marquee credit card reward point value at ₹0.25/RP is consistent only on flights, hotels, and select vouchers - merchandise catalog redemptions typically yield sub-₹0.10 per point. Always redeem on the YES Rewards travel portal for flights or hotels. Remember the 70% booking cap: a ₹10,000 flight ticket can have ₹7,000 paid via points (28,000 RP) and ₹3,000 via card. Never redeem yes bank marquee credit card points for merchandise.
Add Spouse/Partner to Unlock Unlimited International Lounge for Two - The yes bank marquee credit card's most underused benefit: unlimited international lounge access extends to add-on cardholders unconditionally. Adding a spouse or partner as an add-on cardholder means two people access every international lounge on every trip - no spend conditions, no visit limits. On 20 international trips for two people, the yes bank marquee credit card saves ₹1,40,000 in lounge costs at $35/visit market rate.
Pair With BOBCARD Etihad for Airline Miles Flexibility - The yes bank marquee credit card miles transfer is restricted to Club Vistara and Intermiles only. For frequent IndiGo, Air India, or international airline flyers who want to accumulate airline-specific miles alongside 4.5% online rewards, BOBCARD Etihad Guest Premium offers 0% forex and Etihad miles (6/₹100 on Etihad flights).
YES Bank Marquee Credit Card Annual Fees
| Joining Fee | ₹9,999 + GST | yes bank marquee credit card joining fee offset by 40,000 welcome RP (₹10,000 value) - net Year 1 cost effectively ₹0 |
| Annual Renewal Fee | ₹4,999 + GST | yes bank marquee credit card annual fee waived on ₹10 lakh cumulative annual spend | Renewal: 20,000 RP (₹5,000 value) |
| Earn Rate - Online | 36 YES Rewardz Points per ₹200 on all online spends = 4.5% at ₹0.25/RP on yes bank marquee credit card |
| Earn Rate - Offline | 18 YES Rewardz Points per ₹200 on eligible offline spends = 2.25% | yes bank marquee credit card offline earn |
| Earn Rate - Select Categories | 10 YES Rewardz Points per ₹200 on education, insurance, utility, recharge, rent, wallet loads = 1.25% | yes bank marquee credit card earns where most premium cards don't |
| RP Value | 1 YES Rewardz Point = ₹0.25 | Redeem via YES Rewards portal: flights/hotels (70% cap), statement credit (50% cap), vouchers | Miles: Club Vistara + Intermiles only | 36-month RP validity on yes bank marquee credit card |
| Forex Markup | 1% on all foreign currency transactions on yes bank marquee credit card | Earn additional 18 RP/₹200 (2.25%) on international spends |
| Network | Visa Infinite - global acceptance | Priority Pass for international lounge on yes bank marquee credit card | Direct card swipe for domestic lounge |
YES Bank Marquee Credit Card Eligibility & Documents
Age 21 years or above
Minimum annual income Minimum ₹3 lakh per month net monthly salary | yes bank marquee credit card eligibility targets high-income segment
Documents required Enter PAN, Aadhaar, bank statement
Residency Indian Resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for YES Bank Marquee Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Visit yesbank.in → Credit Cards - YES Bank Marquee Credit Card → click 'Apply Now'
2
Complete online application form - Personal details, employment, income | Upload documents: PAN, Aadhaar, latest 3 salary slips or ITR
3
Complete Video KYC with YES Bank official - Paperless identity verification via video call
4
Track yes bank marquee credit card application via 13-digit application number at yesbank.in - Customer care: 1800-1200 | Email: yestouch@yesbank.in
*T&C Apply
Frequently Asked Questions
The yes bank marquee credit card is a Visa Infinite super-premium credit card designed for high-income individuals and frequent international travellers. Key features: 36 RP/₹200 online (4.5% return), unlimited international lounge for primary and add-on (Priority Pass), 24 domestic lounge visits/year (₹1L/quarter condition), 1% forex markup, BOGO BookMyShow (3 free/month), 12 golf lessons/year. Joining: ₹9,999 (offset by 40K welcome RP = ₹10K). Annual: ₹4,999 (waived at ₹10L spend).
yes bank marquee credit card benefits: (1) 4.5% on online spend (36 RP/₹200). (2) 2.25% offline (18 RP/₹200). (3) 1.25% on rent/utility/insurance/recharge (10 RP/₹200). (4) Unlimited international lounge (primary + add-on, unconditional). (5) 24 domestic lounge visits (6/quarter, ₹1L spend condition). (6) 1% forex markup. (7) BOGO BookMyShow max 3/month. (8) 12 golf lessons + 4 green fees/year. (9) 40K welcome points (₹10K). (10) Purchase protection ₹50K.
The yes bank marquee credit card joining fee is ₹9,999+GST. The annual renewal fee is ₹4,999+GST, waived when cumulative card spend reaches ₹10 lakh in the card anniversary year. The 40,000 welcome YES Rewardz Points (₹10,000 value) effectively offset the joining fee in Year 1. Renewal brings 20,000 RP (₹5,000 value) - partially offsetting the ₹4,999 annual fee.
yes bank marquee credit card earn rates: 36 YES Rewardz Points per ₹200 on online spends = 4.5% at ₹0.25/RP. 18 RP/₹200 on offline eligible spends = 2.25%. 10 RP/₹200 on select categories (education, insurance, utility, recharge, rent, wallet) = 1.25%. Zero RP on fuel, government, advertising, EMI conversions. 1 YES Rewardz Point = ₹0.25 on flights, hotels, and vouchers.
yes bank marquee credit card lounge access: (1) International: unlimited complimentary for both primary and add-on cardholders via Priority Pass - unconditional, no spend gate, 1,300+ lounges globally. 4 guest visits/year. (2) Domestic: 6 complimentary visits per quarter (24/year) for primary + add-on - conditional on ₹1 lakh spend in the previous calendar quarter. 2 domestic guest visits/quarter (shared pool). Missing ₹1L in any quarter forfeits that quarter's 6 domestic visits.