YES Bank Marquee Credit Card
Best for high online spenders. 36 RP/Rs200 online, 18 RP/Rs200 offline, 10 RP/Rs200 select categories; 1 RP=Rs0.25 (4.5% online)
Terms as of 2026-09-27 · Checked 28 September 2026YES Bank Marquee Credit Card at a glance
Who it suits: High online spenders
Rewards & cashback
| Details | |
|---|---|
| How you earn | 36 RP/Rs200 online, 18 RP/Rs200 offline, 10 RP/Rs200 select categories; 1 RP=Rs0.25 (4.5% online) |
| Caps & exclusions | No RP on fuel, EMI, cash |
| Welcome benefit | 40,000 RP + ETPrime; 20,000 RP on renewal |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹2,700 | -₹3,199 |
| ₹3,00,000 / year | ₹6,750 | ₹851 |
| ₹6,00,000 / year | ₹13,500 | ₹7,601 |
| ₹12,00,000 / year | ₹27,000 | ₹21,101 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited international + 24 domestic/year |
| Fuel surcharge | 1% on Rs400-5,000, up to Rs1,000/month |
| Forex markup | 1.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹9,999 + GST |
| Annual / renewal fee | ₹4,999 + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs3 lakh/month or ITR Rs36 lakh |
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the YES Bank Marquee Credit Card?
Joining fee ₹9,999 and annual fee ₹4,999 (plus 18% GST).
What rewards does it offer?
36 RP/Rs200 online, 18 RP/Rs200 offline, 10 RP/Rs200 select categories; 1 RP=Rs0.25 (4.5% online) Caps/exclusions: No RP on fuel, EMI, cash
Does it give airport lounge access?
Unlimited international + 24 domestic/year
What is the forex markup?
1.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹1,180.
Who is eligible?
Rs3 lakh/month or ITR Rs36 lakh. A CIBIL score of 750+ improves approval chances.
Is the YES Bank Marquee Credit Card good for me?
Best for: High online spenders. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on YES Bank’s website before applying. FinancePortal is not affiliated with the issuer.