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Key Features & Benefits
- ✦36 YES Rewardz Points per ₹200 on ALL online spends (4.5% value back) — no merchant restrictions
- ✦24 YES Rewardz Points per ₹200 on dining, travel (excluding utilities) and international spends
- ✦10 YES Rewardz Points per ₹200 on all other spends (utilities, insurance, recharge)
- ✦Unlimited complimentary domestic airport lounge access
- ✦Unlimited complimentary international lounge access
- ✦1.75% forex markup — competitive for a premium card
- ✦Complimentary ETPrime subscription (₹3,199/year)
- ✦Complimentary Zomato Gold membership
- ✦Golf privileges at premium courses
- ✦4 complimentary movie tickets per month via BookMyShow (2 per weekend)
- ✦Dining benefits at 1,000+ restaurants
- ✦NO merchant restrictions on online 4.5% — Amazon, Flipkart, Zomato, IRCTC, Netflix, all qualify
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Welcome & Joining Benefits
- ✦15,000 bonus YES Rewardz Points on first transaction (worth ₹1,875)
- ✦Complimentary ETPrime subscription (₹3,199)
- ✦Complimentary Zomato Gold membership
Milestone Benefits
- ✦₹10L annual spend → renewal fee waiver
- ✦₹7L annual spend → 10,000 bonus YES Rewardz Points
Pros & Cons
✓ Advantages
- ✓4.5% on ALL online spends — highest uncapped online reward rate in India
- ✓Unlimited domestic + international lounge — no quarterly cap
- ✓No merchant restrictions on the top rate — any online merchant qualifies
- ✓1.75% forex — very competitive for super-premium tier
- ✓ETPrime + Zomato Gold — valuable subscriptions
- ✓4 movie tickets/month — ₹6,000+ in movie value annually
✗ Disadvantages
- ✗₹9,999 joining fee — high
- ✗Renewal fee ₹4,999 — no easy waiver option for moderate spenders
- ✗Spend-based restrictions for lounge (₹1L quarterly for domestic as of 2025 updates)
- ✗YES Bank has had financial stability concerns in the past — weigh this
- ✗Benefits are frequently updated — verify current terms
Frequently Asked Questions
Is the 4.5% truly on ALL online spends?
Yes — the MARQUÉE gives 36 YES Rewardz Points per ₹200 on any online transaction regardless of merchant category (Amazon, Zomato, Netflix, IRCTC, flights, hotels, SaaS, etc.). 1 YES Rewardz Point = ₹0.25, so 36 pts/₹200 = ₹9 value per ₹200 = 4.5%.
Is unlimited lounge truly unlimited?
As of the card's design, yes — unlimited. However, YES Bank has been adding spend conditions to lounge access. From mid-2025, domestic lounge requires ₹1L quarterly spend. Verify the exact current condition directly with YES Bank.
What happened to YES Bank — is my card safe?
YES Bank underwent an RBI rescue scheme in 2020 and has been recovering since. As of 2026, YES Bank is fully operational. Your credit card and deposits are covered up to ₹5 lakh by DICGC insurance.
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