Super-premium credit card delivering an effective 4.5% online reward rate, 1% forex markup, and unlimited global lounges.
Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers
₹9,999
One-time upfront₹4,999
Waived on ₹10 lakh annual spend36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
On eligible spends6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES BANK MARQUEE Credit Card is arguably the most aggressively rewarding super-premium credit card launched by an Indian private sector bank in recent years, designed to compete head-to-head with HDFC Infinia and Axis Magnus. Its primary reward engine delivers an outstanding 36 Reward Points per ₹200 spent on online retail purchases (equivalent to an effective 4.50% return when redeemed for flights and hotels on the YES Rewardz portal at ₹0.25 per point) and 18 points per ₹200 on offline swipes (2.25% return). Cardholders enjoy an extraordinarily competitive 1.00% + GST foreign currency markup fee, rendering overseas transactions highly lucrative when combined with the card's reward rate. Its travel and entertainment privileges are equally comprehensive: unlimited complimentary international airport lounge access via Priority Pass for the primary cardholder, plus 1 complimentary guest visit per calendar quarter (4 guest visits annually), 6 complimentary domestic airport lounge visits per calendar quarter (24 per year), and Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹250 per ticket, up to 3 times a month = ₹9,000 annual movie savings). The steep ₹9,999 joining fee is effectively neutralized upon activation by 60,000 welcome Reward Points (worth ₹15,000 on flight/hotel bookings). The card's main constraints are an annual spend waiver threshold of ₹10,00,000 (though the ₹4,999 renewal fee is modest compared to the initial joining fee), category spend exclusions on fuel, rent, wallet loads, and utilities, and the requirement of strict income eligibility (typically ₹3 Lakhs+ monthly net salary or high ITR). Who should consider it: Affluent individuals spending ₹1,00,000+ monthly online who travel abroad frequently and want premium lounge, movie, and low-forex privileges. Who should look elsewhere: Spenders seeking direct airline miles transfer to programs like KrisFlyer or Flying Returns, or those who spend predominantly on offline groceries and utilities.
36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
40,000 Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Retail Spends | 36 Reward Points per ₹200 spent online (4.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Offline POS Spends | 18 Reward Points per ₹200 spent offline (2.25% valueback) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Retail Spends | ₹12,000 | 36 Reward Points per ₹200 spent online (4.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Offline POS Spends | ₹18,000 | 18 Reward Points per ₹200 spent offline (2.25% valueback) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹4,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹9,999 + GST joining fee and ₹4,999 + GST annual renewal fee. Annual fee waived upon achieving ₹10,00,000 in eligible retail spends in the previous card year. Welcome Benefit: 60,000 Reward Points (worth ₹15,000 against flight/hotel bookings on YES Rewardz portal) credited upon payment of the joining fee. Reward Accrual: Earn 36 Reward Points per ₹200 spent on eligible online retail transactions (4.50% return). Earn 18 Reward Points per ₹200 spent on eligible offline retail transactions (2.25% return). 1 YES Reward Point = ₹0.25 when redeemed for flights/hotels, or ₹0.10 for statement credit. Forex Markup: Competitive 1.00% + GST foreign currency markup fee on international transactions. International Lounges: Unlimited complimentary international airport lounge visits for primary cardholder via Priority Pass, plus 1 complimentary guest visit per calendar quarter (4 guest visits per calendar year). Domestic Lounges: 6 complimentary domestic airport lounge visits per calendar quarter (24 visits per calendar year) across India. Entertainment: Buy 1 Get 1 free movie ticket on BookMyShow up to ₹250 per ticket, maximum 3 free tickets per calendar month (up to ₹750/month = ₹9,000/year). Golf Privileges: 4 complimentary golf games or lessons per calendar year across premier courses in India. Exclusions: Spends on fuel, rent payments, wallet reloads, utilities, education, and government payments earn zero reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES BANK MARQUEE Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official YES BANK portal with paperless verification.
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Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
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Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends
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Forex markup: 1.8% Low Forex
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Best for: Affluent travelers, luxury lifestyle seekers, and frequent flyers seeking unlimited lounge and spa access with premier golf and movie privileges.
Rewards: 4 RPs on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 RP on every purchase of Rs. 100 on insurance and utilities.
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