YES Bank Credit Cards — Marquée, First Preferred & More | card24.ai
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YES Bank Credit Cards

YES Bank Credit Cards

Premium Rewards. Unlimited Lounge. Cards That Say Yes.

Compare YES Bank credit cards — from the premium Marquée with unlimited international lounge access and 36 reward points per ₹200, to First Preferred, Premia, cashback options and more.

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Which YES Bank Credit Card Should You Choose?

👑

Choose Marquée if

You want unlimited international lounge access, 36X rewards on online shopping, golf, and movie tickets.

✈️

Choose Reserv or ELITE+ if

You travel frequently and want international lounge access, high rewards, and a low 1% forex markup.

🌟

Choose First Preferred or Premia if

You want quarterly lounge access and accelerated reward points on online spends at a modest annual fee.

💰

Choose POP Club if

You spend online and want a no-fee card that converts spends into POPcoins redeemable on the platform.

📱

Choose Klick via Kiwi if

You make most payments via UPI QR codes and want direct cashback on every scan-and-pay transaction.

About YES Bank Credit Cards

YES Bank is one of India’s leading private sector banks with over 27.6 lakh active credit cardholders as of December 2025. The YES Bank credit card portfolio is one of the most diverse among Indian private banks, spanning over 20 card variants across premium, travel, cashback, lifestyle, corporate, and fintech co-brand categories. YES Bank credit cards are backed by the YES Rewardz loyalty programme, where reward points can be redeemed for travel bookings, vouchers, merchandise, and air mile transfers. The flagship YES Bank MARQUÉE Credit Card competes directly with HDFC Diners Club Black, Standard Chartered Ultimate, and ICICI Emeralde Private for premium cardholders seeking unlimited international lounge access and high reward earn rates.

Why Choose a YES Bank Credit Card?

YES Bank credit cards offer four key advantages:

  1. Unlimited International Lounge Access on MARQUÉE — The YES Bank MARQUÉE Credit Card offers unlimited international lounge access for both primary and add-on cardholders — a feature typically found only on ₹12,000—₹15,000 annual fee cards. MARQUÉE delivers this at ₹9,999 per year (waived on ₹10 lakh annual spend).
  2. Highest Online Rewards in Its Tier — MARQUÉE earns 36 reward points per ₹200 on online spends — a 4.5% effective reward rate that exceeds most comparable cards at similar price points. Mid-tier cards like YES Premia and First Preferred offer 12 and 8 reward points respectively.
  3. Portfolio Depth for Every Profile — From the UPI-focused Klick card (via Kiwi) for scan-and-pay users, to POP Club for online shoppers, to RESERV for frequent travellers, and MARQUÉE for premium users — YES Bank has a card tuned to almost every spend pattern.
  4. Movie and Entertainment Benefits — MARQUÉE includes up to 36 free movie tickets per year via BookMyShow (3 per month, Buy One Get One). Golf green fees and cumulative golf lessons are included for premium cardholders.

Types of YES Bank Credit Cards

YES Bank credit cards span six categories:

  • Premium Cards — The YES Bank MARQUÉE Credit Card is the flagship, with unlimited international lounge access, 36 RP per ₹200 online, 40,000 welcome reward points, golf, and a 1% forex markup. The RESERV Credit Card sits in the mid-premium travel segment. The ELITE+ Credit Card offers 3 domestic lounge visits per quarter and 6 international visits per year for frequent travellers.
  • Mid-tier Reward Cards — The YES First Preferred Credit Card and YES Premia Credit Card sit in the ₹999—₹1,200 fee band with 8—12 reward points per ₹200 online and quarterly domestic lounge access. Premia also includes Priority Pass international lounge access.
  • Cashback & Online Cards — The YES Bank PaisaSave Credit Card offers direct cashback. The POP Club Credit Card (RuPay) earns POPcoins on online spends with no annual fee.
  • UPI & Fintech Co-brand Cards — The Klick YES Bank Credit Card (via Kiwi) is the best choice for UPI-heavy users, offering cashback on every scan-and-pay transaction on the RuPay network. The Rio YES Bank Credit Card is a lifetime free RuPay entry card. The BankBazaar YES Bank Credit Card is lifetime free with accelerated reward points.
  • Entry Cards — The YES Bank SELECT and ACE cards are low-fee entry options for first-time YES Bank cardholders.
  • Corporate & Business — YES Bank offers the Zaggle Corporate Card, RazorpayX Purchase Credit Card, and YES FIRST Corporate Card for business and enterprise customers.

How to Choose the Right YES Bank Credit Card

  • For premium rewards and unlimited lounge — MARQUÉE is the top choice for high spenders (₹5—₹10 lakh annual spend) who want unlimited international lounge for primary and add-on cardholders, maximum online reward earn (36 RP/₹200), and golf benefits.
  • For frequent international travellers — RESERV or ELITE+ offer strong lounge access and low forex markup at lower annual fees than MARQUÉE.
  • For mid-tier rewards and domestic lounge — YES First Preferred or YES Premia are the strongest options in the ₹999 annual fee band.
  • For UPI-first users — The Klick YES Bank card via the Kiwi app is the best pick, earning cashback directly on every UPI scan-and-pay transaction.
  • For online cashback with no fee — POP Club (RuPay, LTF) or BankBazaar YES Bank Card (Visa, LTF) are the strongest no-fee options.

YES Bank credit card eligibility: 21—60 years of age, salaried or self-employed. Minimum monthly income: ₹25,000 for entry cards; ₹1.5—₹2 lakh for MARQUÉE and RESERV. CIBIL score of 700+ recommended; 750+ for premium cards.

YES Bank credit card charges (from January 2026): Utility payment charge: 1% + GST on monthly utility spends above ₹15,000. Education fee payments via third-party apps: 1% + GST. Fuel surcharge: 1% + GST on transactions above ₹10,000 or cumulative fuel above ₹25,000/month. Reward points exclusions from April 2025: wallet loads, rent, government payments, and marketing spends earn zero reward points across all YES Bank cards.

Frequently Asked Questions

Everything you need to know about YES Bank credit cards.

YES Bank credit card minimum salary requirements vary by card tier. Entry-level cards like SELECT, ACE, and co-brand LTF cards (Rio, BankBazaar) are accessible to applicants with a monthly income of ₹25,000 or above. Mid-tier cards like YES First Preferred and YES Premia typically require ₹50,000–₹75,000 per month. Premium cards like MARQUÉE and RESERV require a minimum monthly income of ₹1.5–₹2 lakh, or an equivalent annual ITR of ₹18–₹24 lakh. Self-employed applicants are assessed on ITR filings.

Visit the YES Bank website at yes.bank.in, navigate to Credit Cards, and use the Check Eligibility tool — enter your income, employment type, and CIBIL score for an instant pre-check. You can also apply via card24.ai to compare all YES Bank cards and check eligibility in one place. A CIBIL score of 700 or above is the standard baseline; 750+ is recommended for premium cards like MARQUÉE.

Standard YES Bank credit cards require income proof — salary slips, Form 16, or ITR. However, YES Bank offers FD-backed secured credit cards for applicants without regular income proof or with a limited credit history. A secured card is issued against a fixed deposit and provides a credit limit based on the FD amount. This is the recommended path for self-employed individuals with irregular income, housewives, and first-time credit users who do not have salary slips.

YES Bank credit card customer care: 1800-1200 (toll-free, 24x7) or 022-6898-0000. For the Klick YES Bank card (via Kiwi), contact support through the Kiwi app. Email: customer.care@yesbank.in. For card blocking, call the toll-free number immediately or use the YES Mobile Banking app to block the card digitally.

Apply for a YES Bank credit card at yes.bank.in or via card24.ai. Navigate to the Credit Cards section, compare cards, select your preferred card, and click Apply Now. For the Klick YES Bank card, apply entirely through the Kiwi app. The application requires PAN, Aadhaar, income proof, and photograph. Instant digital approval is available in many cases. Processing for standard applications takes 5—7 working days after document verification.

Key YES Bank credit card charges: Interest rate varies by card — MARQUÉE charges 1.99% per month (23.88% per annum), making it the lowest interest rate on any standard YES Bank card. Other cards charge the standard rate — verify at yes.bank.in. From January 2026: Utility payment charge: 1% + GST on monthly utility spends above ₹15,000. Education payments via third-party apps: 1% + GST. Fuel surcharge: 1% + GST on fuel transactions above ₹10,000 or cumulative fuel above ₹25,000 per month. From April 2025: Wallet loads, rent, government payments, and marketing spends earn zero reward points across all cards.

The YES Bank MARQUÉE Credit Card is YES Bank's flagship premium card, designed for high spenders who want unlimited international lounge access, maximum rewards on online shopping, and luxury lifestyle benefits. Key features: 36 reward points per ₹200 on online spends (4.5% effective rate). 18 RP per ₹200 offline. Unlimited international lounge access for primary + add-on cardholders. 24 domestic lounge visits per year (6 per quarter). Up to 36 free movie tickets per year (3/month via BookMyShow BOGO). Monthly golf lesson + 4 green fee waivers. 1% forex markup. 40,000 welcome reward points. Annual fee ₹9,999 — waived on ₹10 lakh annual spend. Minimum monthly income: ₹1.5 lakh.