All cards / Yes Bank
Yes Bank Marquee Credit Card
Yes Bank's invite-oriented flagship — a one-time joining fee with no recurring annual fee, uncapped high travel/dining multipliers, and unlimited Priority Pass lounge access, targeted at very high-income spenders.
Annual fee
₹4,999
Joining fee
₹9,999
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 3% base rate
- Domestic lounge access: 24 complimentary domestic lounge visits per year for primary and add-on cardholders
- International lounge access: Unlimited complimentary international lounge visits via Priority Pass
- Golf: 4 complimentary green-fee waivers per calendar year plus 1 complimentary golf lesson per month at select courses in India
- Insurance benefits: Credit shield cover up to ₹3 lakh; 6-month accidental damage insurance on mobile/electronics; overseas travel insurance covering flight delay, baggage loss and medical emergencies
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate · 24x7 dedicated concierge for travel, dining, and lifestyle
- ✈️ Travel
6% reward rate · Unlimited domestic and international lounge access via Priority Pass
- 🏨 Hotel
Premium hotel and golf memberships
- 🛡️ Insurance
Credit shield cover and overseas travel insurance including flight delay and baggage loss cover
- 🌍 Forex / international spend
1% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹2,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 1%
- Interest rate: 42% p.a.
Benefits
- Unlimited domestic and international lounge access via Priority Pass
- 24x7 dedicated concierge for travel, dining, and lifestyle
- Premium hotel and golf memberships
- Credit shield cover and overseas travel insurance including flight delay and baggage loss cover
Pros
- + No recurring annual fee after the one-time joining fee
- + Unlimited domestic + international lounge access
- + High uncapped travel/dining reward rates
Cons
- − Very high income eligibility bar, largely invite-based
- − Steep one-time joining fee
Best for
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