YES BANK Marquee Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
YES BANK Marquee Credit Card Review:
Super Premium Rewards, Unlimited Lounge Access,
and 4.5% Cashback Equivalents
Introduction
Key Features and Benefits
High Welcome Bonus
40,000 reward points on joining (₹10,000+ value)—redeemable for travel, vouchers, or statement credit.
Complimentary ETPrime Subscription voucher worth INR 4,500 on Joining Fees realization.
Ongoing Rewards
36 points/₹200 (4.5%) on online shopping.
18 points/₹200 (2.25%) on offline retail spends.
10 points/₹200 (1.25%) in select categories.
100,000 point cap (₹5.5 lakh online spend/month), post-cap, earn offline rate.
Lounge Access
- Unlimited international lounge visits for both primary and add-on cardholders (with 4 free guest visits per year).
- 6 free domestic lounge visits/quarter (24/year) for cardholders, plus 2/quarter for guests (requires prior quarter spend of ₹1 lakh).
Golf Benefits
- 4 complimentary green fee waivers/year and a free golf lesson every month.
Movie & Dining Benefits
- Buy 1 Get 1 on movies via BookMyShow.
- 15%+ discount at partner restaurants across India.
Foreign Currency Markup
- Preferential Foreign Currency Markup of 1% only.
Insurance coverage
- Purchase Protection Plan Insurance coverage upto INR 50,000
Fees and charges
First Year Membership Fee → INR 9,999 + applicable taxes
Renewal Membership Fee → INR 4,999 + applicable taxes
Waived on retail spends of INR 10,00,000 in a year
Interest Rate → 2.99% per month (equivalent to 35.88% annually) on overdue amounts
Foreign Currency Mark-up → 1% on international transactions
Rental Transactions → Capped at 5 per 30 days
1% or INR 1 (whichever is higher) for transactions up to INR 1,000
1% or INR 199 (whichever is higher) for transactions above INR 1,000
Wallet Transactions → Minimum 1% or INR 1 (whichever is higher) as fee
Utility Charges (till Jun 30, 2025) → 1% + GST on spends above INR 15,000/month (capped at INR 3,000/month)
Utility Charges (from Jul 1, 2025) → 1% + GST on spends above INR 25,000/month (capped at INR 3,000/month)
Example: INR 20,000 → No charge; INR 30,000 → 1% fee (INR 300 + taxes)
Education Fee Charges (from Oct 1, 2024) → 1% + GST on transactions via third-party apps (capped at INR 5,000/month)
Fuel Transaction Charges → 1% + GST on fuel spends above INR 10,000
Fee capped at INR 5,000 per transaction (effective Oct 15, 2025; earlier cap was per month)
Example: INR 9,000 → No charge; INR 20,000 → 1% fee (INR 200 + taxes)
Tolls/Bridges Charges (from Oct 15, 2025) → 1% + GST on transactions above INR 10,000 (capped at INR 5,000 per transaction)
Example: INR 9,000 → No charge; INR 20,000 → 1% fee (INR 200 + taxes)
Card Essential
Rewards and Benefits Analysis
Who Benefits Most?
Reward Maximizers & High Online Spenders
The highest earning card for online shopping in India (4.5% back), with generous caps for heavy spenders.
International Travelers & Frequent Flyers
Unlimited international and extensive domestic lounge access, comprehensive travel perks at an accessible annual fee.
Foodies & Movie Buffs
BOGO film offers and strong dining discounts leverage everyday lifestyle value.
Golfers & Luxury Lifestyle Seekers
Golf waivers and lessons, plus insurance, round out its luxury orientation.
Real-World Value Example
₹5 lakh/month online shopping = 90,000 points (₹22,500 value at ₹0.25/point for flights).
24 lounge visits for two people/year could save ₹25,000+ alone.
Welcome/renewal benefits + dining/movie perks easily recoup annual fee for active users.
Practical Considerations
Fees & Charges
Joining Fee: ₹9,999 + GST (no waiver, includes welcome benefits valued higher than fee).
Annual Fee: ₹4,999 + GST (waived on ₹10 lakh annual spends; excludes rent/wallet).
Renewal Benefit: 20,000 reward points if fee is paid.
Eligibility:
Age: 21–60 years; net income ₹3 lakh/month (salary) or annual ITR of ₹24 lakh+.
High existing card limit (₹10 lakh+ suggested for card-on-card approval).
Potential Limitations
No air miles transfer options—pure cash/credit/voucher value.
High fee justifiable only for heavy spenders or frequent travelers.
No subscription plan for further reward acceleration.
Redemption Options
YES Rewardz Portal
Flights/hotels: ₹0.25/point (best value)
Statement credit: 1 point = ₹0.20
E-gift vouchers, premium catalogue, BOGO movie offers included.
No redemption fee, points valid for up to 3 years.
Best Value Strategy
Redeem points for travel (flights, hotels) or take statement credit for flexibility.
Use all lounge and dining/movie offers to recoup annual fee in lifestyle savings.
Ideal User Profile
High-income urban professionals with ₹10 lakh+/year card spends (online or travel-heavy).
Frequent international and domestic travelers needing unlimited lounge access and BOGO lifestyle perks.
Luxury, dining, & golf enthusiasts seeking a single premium card for all spend categories.
Tech-savvy value seekers wanting superior rewards on both e-commerce and routine transactions.
Final Thoughts
Strengths
Unparalleled rewards for online spending, large caps, and premium redemption simplicity.
Best-in-segment travel perks: unlimited international/domestic lounge access for cardholders AND add-on members.
Comprehensive lifestyle value: BOGO movies, dining, golf, insurance.
Transparent fee structure, swift digital onboarding, and no hidden redemption hurdles.
Limitations
High fee in Yes Bank’s portfolio—requires disciplined, heavy use for value.
No air miles transfer partners.
Annual fee waiver requires significant spend outside of utility, rent, wallet categories.
Additional Tips for Applicants
Build a strong credit profile with an existing premium card or high-limit account to increase approval chances.
Spend strategically in high-reward categories like online and travel to maximize the 4.5% return potential.
Achieve the ₹10 lakh annual spending threshold to get the renewal fee waived automatically.
Leverage the unlimited international lounge access for family and business travel to unlock true value.
Maintain timely repayments to preserve the low interest rate advantage and safeguard your credit health.
CDMS EXPERT ADVICE
The YES BANK Marquee Credit Card is best suited for high-income, heavy online spenders and frequent travelers who can genuinely use its rich rewards and unlimited lounge benefits without stretching their budgets. Treat the high limit and 4.5% rewards as tools, not as a reason to overspend—track usage closely and clear the full statement every month so interest and extra category fees do not erode your gains. If large-ticket spends, EMIs, or multiple card obligations start to strain your cash flow, seek structured credit card debt and outstanding bill solutions from CDMS at Cashon.cards to protect your long-term financial stability.
This review offers a clear and balanced overview of The YES BANK Marquee Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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