Marquee is YES BANK's top retail card, built for people who already spend big online and travel often. The headline is simple: online spends earn at roughly double the offline rate, points are worth the most when you redeem them for flights and hotels, and the 1% forex markup is among the lowest on any Indian premium card.
The catch is the entry bar and the fee. You need a very high income to qualify, the joining fee is Rs 9,999 plus GST with no spend based reversal, and the annual fee only goes away at Rs 10 lakh of yearly spends. If your spending naturally crosses that level, the card pays for itself. If it does not, the fee will eat the rewards.
Annual Fee (+ 18% GST)₹4,999 (₹5,899 incl. GST)
Fee WaiverAnnual fee of Rs 4,999 is waived on Rs 10,00,000 retail spends in the previous anniversary year, as per the YES BANK Credit Card MITC. The joining fee of Rs 9,999 has no spend based waiver.
Joining PerkYES Rewardz Points credited on payment of the joining fee, plus an ET Prime membership voucher (points are credited in the month after the fee is paid within the due date, as per the terms on the YES BANK product page)
Primary Reward36 YES Rewardz Points per Rs 200 on online spends, 18 points per Rs 200 on offline spends and 10 points per Rs 200 on select categories such as utilities and streaming. One point is worth up to Rs 0.25 when redeemed for flights and hotels.
Airport Lounge AccessUnlimited international lounge access via Priority Pass for primary and add-on cardholders. Domestic lounge access is spend linked as per YES BANK lounge terms, with up to 6 visits per quarter and guest visits on top.
Forex Markup1% plus GST
RuPay UPINo
Best ForHigh income frequent travellers who spend heavily online and want low forex costs
Joining fee Rs 9,999 and annual fee Rs 4,999, both plus GST (YES BANK Credit Card MITC, October 2026 version). Finance charges are 2.99% per month. Reward points are capped at 1,00,000 per statement cycle, and utility spends are capped at 1,250 points per cycle. Fuel surcharge waiver is 1% on transactions between Rs 400 and Rs 5,000, capped at Rs 1,000 per statement cycle. From 15 June 2026, insurance, education, railways, toll and ferry spends earn no reward points. BookMyShow buy one get one applies up to 3 free tickets a month, capped at Rs 800 per ticket.