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YES BANK · researched credit card

YES BANK MARQUEE Credit Card

YES BANK's super-premium MARQUEE combines 1% forex, high online/offline reward rates, unlimited international lounge access and a substantial premium fee structure.

First-party evidenceActiveReviewed September 9, 2026
Super-Premium Credit CardsPremium Credit CardsRewards Credit CardsOnline Shopping Credit CardsAirport Lounge Credit Cards
Open official issuer sourceIssuer dossier
Annual fee₹4,999 + applicable GST
Joining fee₹9,999 + applicable GST
NetworkVisa Infinite / Mastercard World Elite or current premium variant as offered
Last reviewedSeptember 9, 2026
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

4 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 24, 2026.

Decision brief

Start with fit before chasing headline benefits.

The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.

Potential fit

High-spend travelers who can use the card's 1% forex pricing, large lounge allowance and premium online reward rate enough to justify a high joining fee.

Before you apply
  • The ₹9,999 first-year fee is not spend-waived under the reviewed KFS.
  • Domestic lounge qualification currently requires ₹1 lakh preceding-quarter spend.
  • Headline reward value depends on redemption and monthly/statement-cycle caps.
Four critical factors

Read these four fields before anything else.

They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.

Reward model36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart
Fee waiverNo first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal fee
Lounge accessUnlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter
Forex markup1% foreign-currency conversion charge
Published terms

Exact decision fields from the maintained profile.

These fields preserve source wording and conditions rather than reducing the card to a single score.

Joining fee₹9,999 + applicable GST
Annual fee₹4,999 + applicable GST
Fee waiverNo first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal fee
Rewards36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart
NetworkVisa Infinite / Mastercard World Elite or current premium variant as offered
Lounge accessUnlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter
Forex markup1% foreign-currency conversion charge
Source-dated lounge entitlement

Current lounge access conditions

Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.

Domestic airport6 complimentary domestic airport lounge visits per quarter for primary and add-on cardmembers under the current issuer lounge table.
International airportUnlimited complimentary international airport lounge visits for primary and add-on cardmembers under the current MARQUEE value proposition / lounge programme.
Railway loungeNo complimentary railway-lounge entitlement is stated for MARQUEE in the reviewed current YES BANK lounge material.
Visit quotaDomestic: 6 per quarter for primary/add-on. International: unlimited for primary/add-on. Current domestic lounge table also lists 2 complimentary domestic guest visits per quarter.
QualificationEffective 1 April 2025, domestic complimentary lounge eligibility for MARQUEE requires ₹1,00,000 or more qualifying spend in the previous YES BANK lounge-spend quarter (21st–20th measurement windows). The issuer schedule states this spend threshold applies only to domestic lounges.
Network / programmeYES BANK domestic lounge programme plus international lounge membership / Priority Pass network.
Access methodDomestic: eligible card at participating lounge subject to current validation. International: use the eligible international lounge membership/card route; current terms can apply a small refundable authorization for validation.
Guest / add-onPrimary and add-on cardmembers receive the published cardholder quota. The current domestic lounge table lists 2 complimentary domestic guest visits per quarter; international guest access beyond cardholder entitlement is not inferred as complimentary.
Beyond allowanceDomestic visits after complimentary eligibility/quota are charged under the current lounge schedule; non-covered international guest/other visits are subject to the international lounge programme's current pricing.
Effective state2025-04-01 spend threshold / current 2026 lounge table
Scope checks
  • The ₹1 lakh qualification is a domestic-lounge spend rule; it must not be automatically applied to the unlimited international entitlement.
  • Domestic primary/add-on quota and the separately published domestic guest quota are different allowances.
Compare lounge entitlementsOpen lounge source ↗
Value interpretation

Separate published mechanics from personal value.

The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.

Annual-cost test

Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.

Reward-value test

Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.

Travel-benefit test

Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.

Approval reality

Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.

Reward-value calculatorModel an effective reward rate and cap.→Annual-fee break-evenEstimate the eligible spend needed to recover the fee.→Forex-cost calculatorEstimate markup and GST on overseas spend.→
Decision checklist

Five questions to answer before applying.

These questions turn the researched terms into a personal decision without estimating approval odds.

Annual-cost question

Would you pay the stated annual fee if you did not hit the waiver?

₹4,999 + applicable GST · No first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal fee

Earning question

Does your normal spending actually fall into the card’s rewarded categories?

36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart

Travel question

Are the lounge and international-use terms useful for your real travel pattern?

Unlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter · 1% foreign-currency conversion charge

Complexity question

Can you realistically track the caps, channels and exclusions behind the headline benefit?

The ₹9,999 first-year fee is not spend-waived under the reviewed KFS. Domestic lounge qualification currently requires ₹1 lakh preceding-quarter spend.

Eligibility question

Does the application route fit your profile without assuming approval?

Subject to YES BANK's premium-card underwriting and documentation requirements

Eligibility & underwriting

Published eligibility is not an approval prediction.

Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.

Published eligibility

Subject to YES BANK's premium-card underwriting and documentation requirements

Maintained comparisons

Compare this card against exact researched alternatives.

Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.

Browse all maintained card comparisons →
Research next

Alternatives without pretending one card is universally better.

These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.

First-party evidence ledger

Verify the card against the documents behind the profile.

Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.

Evidence statefirst party verified
ReviewedSeptember 9, 2026
Issuer documents4
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceKey Fact StatementView ↗
Supporting source 2Issuer documentView ↗
Supporting source 3Lounge termsView ↗
Supporting source 4Fee / charge scheduleView ↗

Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.