YES

YES Bank Marquee Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹4,999 annual fee.

Top reasons to choose this card

24 domestic lounge visits, spend-gated
₹10L fee waiver
Low 1% forex markup

What you'd do with it

Useful for travelers who need around 24 domestic lounge visits a year.
Helpful for international spending because forex markup is kept to 1%.

Good for travel 1% forex · 6 per quarter lounge
Low forex 1% forex markup
Strong lounge access 6 per quarter domestic lounge
Moderate rewards 36 pts / ₹100 on General spend

Suggested comparison Similar lounge profile Compare with ICICI Bank Sapphiro Mastercard →

Choose another card to compare →

Annual fee ₹4,999 per year

Forex markup 1% low

Lounge access 6 per quarter

Rewards / ₹100 36 pts base

The catch Domestic: 6/quarter · requires ₹1,00,000 spend in the previous calendar quarter. Check visit caps before travel.

Welcome benefit timing may vary
Fee waiver available
Annual fee known
Forex markup known
6 per quarter domestic lounge

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹4,999 higher than 86 of 112 cards
Joining fee: ₹9,999
Forex markup: 1% lower than 96 of 111 cards
Lounge access: 6 per quarter domestic lounge · Unlimited international
Reward rate: 36 pts / ₹100

Good fit for

Good for travel
Low forex
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Fee waiver applies at ₹10,00,000 annual spend.
Forex markup is low at 1%.
6 per quarter domestic lounge

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
6 per quarter domestic lounge
Airport lounge list may change
₹3,199 welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 6 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward exclusions, caps, redemption value, and voucher timelines.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with ICICI Bank Sapphiro Mastercard Similar lounge profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

6 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 1%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies at ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹3,199 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: Unknown Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹10,00,000yearAnnual fee waiverextremestrong

Lounge access spend gate₹1,00,000quarterLounge eligibilityreasonablestrong

Watch outs

Before choosing this card

Fee waiver requires ₹10,00,000 annual spend.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Limits/capsReward earn has structured caps.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~18,000 pts/month (base earn · uses Online shopping; partner and category bonuses not included)
Fee waiver unlikely at this spend
Forex cost ~₹500 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 6 per quarter — via YES Bank lounge programme Condition: ₹1,00,000 spend in the previous calendar quarter

6 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Operator-verified anchor
Issuer MITC
Issuer official Yes Marquee page
Operator config (Yes Marquee Domestic Quarterly)
International (cardholder): Unlimited — via Priority Pass Requires Priority Pass card

6 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Operator-verified anchor
Issuer MITC
Issuer official Yes Marquee page
Operator config (Yes Marquee Domestic Quarterly)
YES Bank fleet MITC: YES Bank fleet MITC

Rewards

Points per ₹100: 36 pts value depends on redemption

Fees & charges

Fees

Monthly interest rate: 2.99% / month
Annual fee: ₹4,999
Joining fee: ₹9,999 · verified 7 Jul 2026
Fee waiver spend: ₹10,00,000 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 1%

3 sources agree · verify issuer terms before applying

Where to verify

CardInsider
BankBazaar
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
Product tier: Premium