Eligible spend
18 points per ₹200 on eligible spend
YES VISA
Marquee
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1%.
- Up to 36 pts / ₹200 on online spend
- 6 per quarter domestic + Unlimited international.
Trade-off
Annual fee waiver isn't clearly documented.
Card fees ₹9,999 to join From year 2 · ₹4,999 / year
Rewards 18 pts / ₹200
Lounge access 6 per quarter · ₹1,00,000 spend in the previous calendar quarter
Forex markup 1% low
Compare with AU Small Finance Bank Zenith+ →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹9,999joining fee
From year 2
₹4,999renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Offline18 pts / ₹200Credited as reward points · offline only—
Online shopping36 pts / ₹200Credited as reward points · online only—
Utilities10 pts / ₹200Credited as reward points1,250 points per statement cycle; at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend
How to avoid the annual fee
Spend threshold for waiver ₹10L yearly spend to waive the annual fee
Annual fee is ₹4,999. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Online shopping
36 pts / ₹200
View bonus categories →Caps
- Utilities1,250 points per statement cycle
Why?
at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Self-employed applicant
- Annual ITR
- Above ₹36,00,000
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Domestic lounge spend gate₹1,00,000quarterLounge eligibility
Watch outs
Before choosing this card- Fee waiver requires spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (18 pts / ₹200). Up to ~4,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver conditions unclear — verify
- Forex cost ~₹500 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 6 per quarter — via YES Bank lounge programme Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
Issuer documented · corroborating sources · 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 Requires Priority Pass card · Unlimited international lounge access
Issuer documented · corroborating sources · 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)
Rewards
- Base earn
- 18 points per ₹200 value depends on redemption
- Point validity
- Points expire 3 years after earning
Fees & charges
Fees
- Monthly interest rate
- 2.99% / month
- First-year cost
- ₹9,999 · verified 7 Jul 2026
- Annual fee
- ₹4,999
- Joining fee
- ₹9,999 · verified 7 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 1%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹500–₹5,000.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Utilities cap: 1,250 points per statement cycle; at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend.
Latest update
- First-year cost: ₹9,999.
- Annual fee: ₹4,999.
- Forex markup currently listed at 1%.
- 6 per quarter domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
6 per quarter domestic + Unlimited international. 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?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Welcome benefits
Free isn’t free if you miss the milestone