How much does Marquee earn on online spends?

Cardholders earn 36 YES Reward Points per ₹200 on online spending—delivering an effective ~4.5% return (capped at 1,00,000 points per billing cycle)—compared to ~2.25% on offline retail, with utility and streaming transactions earning a reduced rate of 10 points per ₹200. In effective return terms, online shopping peaks at 4.5% (capped at ₹25,000 in monthly rewards) versus 2.25% on other spending, reflecting real-world monetary value upon optimal redemption.

What is the annual fee?

The card requires a ₹9,999 joining fee and a ₹4,999 renewal fee (plus applicable GST), with the renewal fee waived upon spending ₹10 lakh in the card anniversary year. Including 18% GST, the renewal fee comes to ₹5,899 on the billing statement, and achieving the ₹10,00,000 spend waiver requires an average monthly expenditure of roughly ₹83,333.

Is domestic lounge access unlimited?

International lounge access is unlimited and not spend-gated, while domestic lounge entry is capped at 6 visits per quarter, unlocked by spending ₹1 lakh in the previous calendar quarter. Accompanying guests receive 4 complimentary international and 2 domestic lounge visits each year.

Does it have movie benefits?

Yes, the card provides a buy-one-get-one-free movie ticket benefit up to three times per calendar month, with a discount cap of ₹800 per ticket.

Is there a fee to redeem reward points?

Yes. Effective 15 June 2026, a fee of ₹100 plus GST is charged for each reward point redemption request regardless of the quantity redeemed, making larger batch redemptions more economical. This ₹100 processing fee slightly reduces the net value on smaller redemption totals.

How has the YES Bank Marquee Credit Card changed over time?

The dated Value Timeline for the YES Bank Marquee Credit Card on this page tracks 12 updates since 2024, including 10 devaluations, 1 improvement, and 1 launch or restructure. The most recent entry on 15 June 2026 introduced a ₹100 fee per reward redemption request. Every event links directly to official issuer documentation.

Has the YES Bank Marquee Credit Card been devalued recently?

Yes, our records indicate 8 devaluations for the YES Bank Marquee Credit Card over the past 24 months. The latest change took effect on 15 June 2026, shifting reward redemptions from No charge to redeem to ₹100 + GST per redemption. A complete chronological log with verified sources is available in the Value Timeline on this page.

When did the YES Bank Marquee Credit Card's fees last change?

The fee structure last changed on 15 June 2026, increasing cash advance charges (2.5% or 500 rupees to 2.5% or 650 rupees), auto-debit failure penalties (2% or 450 rupees capped at 1,500 to 2.5% or 500 rupees capped at 5,000), and branch cash deposit fees (100 rupees to 500 rupees). The current fee schedule is detailed in the table on this page, with historical changes tracked in the Value Timeline.

How did the YES Bank Marquee Credit Card change in 2026?

In 2026, 4 updates (3 devaluations and 1 improvement) were recorded for the YES Bank Marquee Credit Card: reintroducing the over-limit facility at 550 rupees per transaction on 1 June 2026, narrowing the fuel surcharge waiver window to 500 to 5,000 on 15 June 2026, raising cash-advance, auto-debit-failure, and cash-deposit charges on 15 June 2026, and introducing a ₹100 + GST redemption fee on 15 June 2026 (replacing free redemptions). Full event details and citations are tracked in the Value Timeline.

Yes BankELITE

YES Bank Marquee Credit Card

4.2 / 5SarvCred Editorial Review

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Yes Bank

YES Bank Marquee Credit Card

Name: YES Bank Marquee Credit Card
Brand: SarvCred
Rating: 4.2 (1 reviews)

Super-premiumFee variesRewardsTravel

The YES Bank Marquee is YES Bank's most interesting card — a genuine ~4.5% online earn rate (36 reward points per ₹200, redeemed for travel at ₹0.25/point) and a low 1% forex markup in a polished super-premium package, with a rich welcome bonus (40,000 RP), 36 movie tickets and golf. Joining is ₹9,999 and renewal ₹4,999 (waived at ₹10 lakh). The catches define it: voucher redemption was devalued to ₹0.15 (so redeem for flights/hotels, not vouchers, where it holds ₹0.25), domestic lounge access is spend-gated (₹1 lakh/quarter; international is unlimited and ungated), the transfer partners are thin (Club Vistara is now defunct post-merger, leaving Air India Maharaja as the only partner), points expire after 36 months, and YES Bank keeps revisiting its premium terms. Worth a slot for the online-focused traveller who redeems deliberately; not a card to build a wallet around.

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹10,000 in vouchers, points or cashback on card activation

⭐

4.5% on Online Shopping

36 reward points per ₹200 online (~4.5% redeemed for flights/hotels at ₹0.25; ~2.7% via vouchers at ₹0.15); capped at 1,00,000 points per statement cycle

⭐

2.25% on Other

18 reward points per ₹200 offline (~2.25%); points expire 36 months; redemption cap 70% of invoice / 300k points/month

✈

️ Airport Lounge Access

Unlimited international lounge access (not spend-gated) plus 6 domestic visits per quarter, domestic unlocked by ₹1 lakh spend in the prior calendar quarter; 4 international + 2 domestic guest visits a year

💳

Annual Fee Waiver

Fee of ₹4,999 + 18% GST (₹5,899 all-in)/yr fully waived when you spend ₹10,00,000/year

⛳

Golf Privileges

One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses

🤵

24x7 Concierge

24x7 lifestyle concierge with bespoke travel and dining services

🎬

Movie Ticket Benefit

Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less)

Full reward structure

Category	Type	Rate	Monthly cap
Online Shopping	reward points	4.5%	₹25,000
Other	reward points	2.25%	—
Utility Bills	reward points	1.25%	₹313
OTT & Entertainment	reward points	1.25%	—

Fees & charges

Charge	Amount
Annual fee (incl. 18% GST)	₹5,899
Joining fee (incl. 18% GST)	₹11,799
Finance charge (APR)	2.99% p.m.
Forex markup	1%
Reward redemption fee	₹100

Perks & benefits

Estimated annual value beyond rewards — ~₹72,199/yr in total.

🤵

concierge

24x7 lifestyle concierge with bespoke travel and dining services

⛳

golf ~ ₹8,000 /yr

One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses

✈

️ lounge access ~ ₹45,000 /yr

🎬

movie ticket ~ ₹15,000 /yr

Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less)

📺

cobranded ott ~ ₹3,199 /yr

Complimentary annual ET Prime subscription, redeemed via the YES Bank benefits portal

⛽

fuel waiver ~ ₹1,000 /yr

1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹1,000 per statement cycle (eff. 15-Jun-2026)

Should you get it?

Super Premium tier — built for high spenders who want top-end perks.

Strongest value if you spend heavily on Online Shopping ( 4.5% back).

Frequent travellers benefit from the included airport lounge access.

✓ Pros

✕ Cons

Existing YES Bank credit cardholders are not eligible for a new card application
Reward points expire 36 months (3 years) after they are earned
Rent, wallet loads, fuel, government, insurance, education and EMI spends earn no points at all

Eligibility & documents

Age

21 –60 years

Min. income

₹3,00,000 /mo

Employment

Salaried · Self-employed

Documents required

PAN card
Aadhaar / address proof
Income proof (salary slips or ITR)
Passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

🎁 Redeem YES Reward Points on the YES rewardz portal for vouchers, products and travel

🎁 Statement credit against eligible spends

🎁 Best value on online spends where the 4.5% earn rate applies

What your YES Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement credit Capped at 50% of the point balance; ₹100 + GST per redemption request

₹ 0.10 /pt

E-gift voucher (EGV) Capped at 50% of the balance and ₹25,000 a calendar month

₹ 0.15 /pt

Flights & hotels BEST YES's best route — capped at 70% of invoice value; ₹99 + GST convenience fee on flights

₹ 0.25 /pt

Air India Maharaja transfer Air India is YES's only transfer partner, and the flagship is NOT the best deal: YES Private and Private Prime convert 8:1 (⇒ ₹0.125/pt) while Marquee and every other card sit at 10:1 (⇒ ₹0.10/pt) — the rate YES itself publishes as '1 Air Mile per 10 Reward Points'. Both sit below the ₹0.25 flights-and-hotels route, so on YES transferring destroys value. No minimum; credited in up to 7 working days.

₹ 0.10 /pt

✈ Transfer partners ✈ Air India Maharaja Club ( 10:1 ) Value your balance: YES Reward Points ✈ Air India Maharaja Club ( 10:1 ) ₹ 1,000 vs. typical redemption ₹ 1,000 Direct transfers from this card only, ranked by what a point is worth in the destination programme . Full calculator, every currency → The concern Value needs disciplined flight/hotel redemption (vouchers devalued to ₹0.15), domestic lounges are spend-gated, transfer partners are thin post-merger, and YES Bank's habit of revising premium terms adds uncertainty.

The bottom line

The Marquee offers strong value propositions—a high ~4.5% online return on travel redemptions, a minimal 1% forex markup, a 40,000-point welcome bonus, 36 annual movie tickets, and golf access. However, specific constraints define its utility: voucher redemptions lower the return to ~2.7%, domestic lounge entry requires quarterly spend thresholds, airline transfer partnerships are limited following Vistara's sunset, and card terms see frequent updates. It functions best as a deliberate-redemption secondary card rather than a universal wallet centerpiece.

Sources & verification

Fees, reward rates, and benefits for the YES Bank Marquee Credit Card are taken from YES Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for YES Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2024 · 12 changes · last change Jun 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

2026 4 changes — 3 cuts, 1 improvement

▼ Redemption Effective 15 Jun 2026

A ₹100 fee now applies every time you redeem reward points

No charge to redeem → ₹100 + GST per redemption

From 15 June 2026 YES Bank charges ₹100 plus GST each time reward points are redeemed on the Marquee. The bank's consolidated Most Important Terms and Conditions applies this fee to only two cards in the range — the Marquee and the RESERV — so it is a targeted change rather than a bank-wide one. On its own the amount is small, but it penalises redeeming in small batches: the flat charge is the same whether you cash out 1,000 points or 3,00,000, so the sensible response is to redeem less often and in larger amounts. The Marquee's 1.00% foreign-currency markup was left untouched in the same revision.

Verification: YES Bank ↗ · Confidence: High

▼ Fee Effective 15 Jun 2026

Cash-advance, auto-debit-failure and cash-deposit charges raised

Cash advance 2.5% or 500 rupees; auto-debit failure 2% or 450 rupees capped at 1,500; branch cash deposit 100 rupees → Cash advance 2.5% or 650 rupees; auto-debit failure 2.5% or 500 rupees capped at 5,000; branch cash deposit 500 rupees

Three servicing charges went up together on 15 June 2026. The minimum cash-advance fee rose from 500 to 650 rupees, the charge for a failed auto-debit went from 2% or 450 rupees to 2.5% or 500 rupees, and depositing cash at a branch to repay the card went from 100 to 500 rupees. The auto-debit change is the one worth noticing: alongside the higher rate, the per-statement ceiling on that charge moved from 1,500 rupees to 5,000, so a large missed payment can now cost several times what it would have before. None of these touch ordinary card spending - they are the cost of borrowing cash, bouncing a payment, or repaying over the counter.

Verification: YES Bank ↗ · Confidence: High

▼ Benefit Effective 15 Jun 2026

Fuel surcharge waiver band narrowed to 500 to 5,000

400 to 5,000 rupees → 500 to 5,000 rupees

The 1% fuel surcharge waiver still applies, but the window of transactions that qualify for it moved on 15 June 2026. YES Bank replaced the single 400-to-5,000-rupee band that covered its whole range with a per-variant table, and this card sits in the 500 to 5,000-rupee band. The floor rising to 500 rupees is the part most likely to bite: small top-ups that used to earn the waiver no longer do. The Marquee keeps the range's most generous ceiling on the waiver itself, at 1,000 rupees a statement cycle.

Verification: YES Bank ↗ · Confidence: High

▲ Benefit Effective 1 Jun 2026

Over-limit facility reinstated, at 550 rupees a transaction

Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined → Available again, at a flat 550 rupee charge per over-limit transaction

YES Bank brought back the over-limit facility on 1 June 2026, thirteen months after withdrawing it. The Marquee was covered by both the withdrawal and the reinstatement. A transaction that takes the balance past the sanctioned limit now goes through rather than being declined, and carries a flat charge of 550 rupees plus GST. Whether any given account gets the facility, and how far over the limit it may go, is set by the bank from the customer's credit profile and repayment record rather than being a published entitlement. It is a convenience worth having in an emergency and an expensive habit otherwise, since the charge applies per offending transaction.

Verification: YES Bank ↗ · Confidence: High

2025 3 changes — 3 cuts

▼ Benefit Effective 1 May 2025

Over-limit facility discontinued

From 1 May 2025 YES Bank discontinued the over-limit facility on its credit cards; spends above the sanctioned limit are declined and the ₹500 overlimit charge no longer applies.