YES Bank Marquee Credit Card Review (2026)

Quick verdict: The YES Bank Marquee Credit Card is best for premium online rewards & travel. It earns 4.5% online, 2.25% offline, with an annual fee of Rs 4,999 annual (waiver on Rs 10L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The YES Bank Marquee is a premium card with one of the highest flat reward rates on online spends — an effective 4.5% — combined with unlimited international lounge access and a low 1% forex markup.

With large welcome and renewal point bonuses, it targets high spenders who want both everyday rewards and serious travel benefits.

Fees & Charges

Rewards & Benefits

• 36 reward points per Rs 200 on online spends (an effective 4.5%) and 18 per Rs 200 offline (2.25%).
• Unlimited international airport lounge visits and 24 domestic visits a year for primary and add-on members.
• Low 1% foreign-currency markup — among the best for international spends.
• 40,000 welcome points and 20,000 renewal points, plus Buy 1 Get 1 movie offers and golf lessons.
• 10 points per Rs 200 on rent, utilities, wallet, insurance and government categories.

Pros & Cons

Who Should Get This Card?

• High spenders who shop heavily online
• Frequent international travellers
• Those who can use unlimited lounges and big bonuses

Frequently Asked Questions

How to Get the Most from the YES Bank Marquee Credit Card

• Use it where it is strongest — premium online rewards & travel — where it earns 4.5% online, 2.25% offline; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 4,999 annual (waiver on Rs 10L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on YES Bank and the card variant, but for the YES Bank Marquee Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing YES Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 4.5% online, 2.25% offline. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Currency Converter — check live forex rates before spending or travelling abroad.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

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• Axis Bank Reserve Credit Card — Super-premium luxury
• HDFC Regalia Gold Credit Card — Mid-premium lifestyle & travel
• ICICI Bank Sapphiro Credit Card — Premium travel & lifestyle