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YES Essence Credit Card
Visa
YES Essence Credit Card
A lifestyle card launched for young professional and salaried women, combining everyday category rewards with wellness and beauty-brand tie-ins. YES Bank is running it lifetime-free at launch despite a stated Rs 799 fee, so check current terms before applying.
Annual fee
₹799
Joining fee
₹799
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie ticket via District once a month; BOGO offers on coffee at partner mall outlets twice a quarter
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter, unlocked on ₹25,000+ spend in the previous quarter
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate · Accelerated rewards on dining, grocery, shopping, beauty and travel spends.
- 🛡️ Insurance
Preventive-healthcare and lifestyle-focused benefits curated for women cardholders.
- 🛍️ Shopping
4% reward rate
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3%
- Interest rate: 42% p.a.
Benefits
- Welcome vouchers across fashion, beauty, travel and fitness brands.
- Accelerated rewards on dining, grocery, shopping, beauty and travel spends.
- Preventive-healthcare and lifestyle-focused benefits curated for women cardholders.
Pros
- + Rewards tuned to beauty, wellness and lifestyle spending
- + Currently offered lifetime free as a launch promotion
- + Welcome vouchers across multiple lifestyle categories
Cons
- − Stated fee applies once the launch promotion ends
- − No lounge access or major travel benefits