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YES BankPlatinum

YES Bank Marquee Credit Card

•••• •••• •••• 4242

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Quick facts

YES Bank Marquee Credit Card

Top reward4 RP/₹150

Annual fee₹999

Min income₹40,000/mo

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🛋️Lounge & Premium

YES Bank · Platinum tier

YES Bank Marquee Credit Card

Mid-tier travel and lounge card.

Key Benefits

Lounge: Domestic lounge access — Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&CsTravel: 4 RP/₹150Other spends: 2 RP/₹150Best for: Travel insurance included

Annual fee

₹999

Top rate

4 RP/₹150

Min income

₹40,000/mo

Eff. return

0.04%

Realistic net value (moderate user): ₹204/year

After ₹999 fee & ₹450 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Lounge: Domestic lounge access — Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
Travel: 4 RP/₹150
Other spends: 2 RP/₹150
Travel insurance
Reward points
Best for: Mid-tier lounge card
Best for: ₹40K+ income

Source: YES Marquee T&Cs

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Lounge access: Domestic lounge access

Spend criteria: Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs

Reward Structure

Source: YES Marquee T&Cs

Travel

4 RP/₹150

Other spends

2 RP/₹150

Lounge

Domestic lounge

Excluded categories (no rewards)

EMIFuelRent

Lounge access

Domestic lounge access

Spend criteria: Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹1,653

Before fees & forex

Costs / year

₹1,449

Fee ₹999 + forex ₹450

Net value / year

₹204

0.04% effective return on spend

Category-wise breakdown

Travel & flights

Spend ₹5,416.67/mo · 4 pts per ₹150 spend

₹433.33/year

₹36.11/mo

₹5,416.67 spend → ₹36.11/mo

All other eligible spends

Spend ₹30,500/mo · 2 pts per ₹150 spend

₹1,220/year

₹101.67/mo

₹30,500 spend → ₹101.67/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Travel insurance included
→Mid-tier lounge card
→₹40K+ income

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 4 pts per ₹150 spend

You spend

₹10,000

→

You earn

267 pts

Worth ≈

₹66.67

@ ₹0.25/point

all — 2 pts per ₹150 spend

You spend

₹10,000

→

You earn

133 pts

Worth ≈

₹33.33

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 36 months if unused.

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹999

Annual / renewal fee

Charged every year unless waived

₹999

Forex markup

2.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,653

Annual fee− ₹999

Forex cost− ₹450

Net annual value₹204

Eligibility Snapshot

Public criteria from YES Marquee T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹40,000/mo

Min income (self-employed)₹9,60,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with YES Bank Marquee Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,653/year. After the ₹999 annual fee, net value is approximately ₹204/year. Use the calculator above to model your own spends.

What is the minimum income for YES Bank Marquee Credit Card?+

₹40,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.