YES Bank Marquee Credit Card Decoded
StandardYES Bank
Quick Facts
Joining Fee₹9,999
Renewal Fee₹9,999
Best ForTravel
Forex Markup1.75%
30-Second Verdict
Expert VerdictThe Marquee Credit Card is a powerful travel companion, prioritizing unlimited lounge access and airport privileges for frequent flyers.
International Travel
Who Should Apply
- You spend at least ₹10,00,000 annually to waive fees.
- You value airport lounge access and travel perks.
- You want a steady return rate of 1% on standard spends.
Who Should Skip
- You want to avoid paying an annual fee of ₹9,999.
- Your average monthly card spends are less than ₹25,000.
- You prefer cash statement credits over travel reward point transfers.
Key Numbers
Base Reward Rate
8 RP / ₹200
Accelerated Rate
1.5X
Forex Markup
1.75%
Joining Fee
₹9,999
Annual Fee
₹9,999
Eligibility
Age: 21 - 70 Years
Requires monthly salary > ₹3 Lakhs or ITR > ₹36 Lakhs.
Domestic Lounge
6/Quarter
Primary: Yes • Add-on: No • Guest: Yes (8)
International Lounge
Priority Pass
Unlimited
Primary: Yes • Add-on: No • Guest: Yes (4)
Reward Point Mechanics
Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.
Earning Blueprint
Accrual & MultipliersBase Earn Rate:8 RP / ₹200
Multipliers & Milestones:
Accelerated 1.5x1.5% yield
12 reward points per ₹200 on online retail spends.Merchant-Specific 4.5x4.5% yield
36 reward points per ₹200 on select partner brands on Yes Cart.Point Translation
Value depends on how you redeemStandard Currency Point Value
1 Yes Reward Points = ₹0.25
when redeemed for flights/travelRedemption Values:
Flights:₹0.25 per pt
Partner Transfers
Miles conversion ratiosAir India Maharaja ClubRatio 10:1
1. Airport Lounge Access & Travel Status
For frequent flyers, lounge privileges provide significant financial savings.
Standard Travel Credentials
- Domestic lounges: Complimentary lounge entries are capped per quarter.
- International lounges: Unlimited.
2. Premium Dining & Lifestyle Benefits
Elevate your weeknights with curated dining privileges, memberships, and golf games.
Standard Lifestyle Privileges
3. Comprehensive Insurance Coverages
Stay fully insured on domestic and international bookings:
- Air Accident Cover: Up to ₹0
- Emergency Medical Cover: Up to ₹0
- Card Fraud Protection: Up to ₹0
4. Head-to-Head Comparison with Key Competitors
How does Marquee Credit Card stack up against rivals in the same variant class?
| Feature | Marquee Credit Card | FIRST Private Credit Card | Axis Reserve |
|---|---|---|---|
| Joining Fee | ₹9,999 + GST | ₹50,000 + GST | ₹50,000 + GST |
| Annual Fee | ₹9,999 + GST | ₹50,000 + GST | ₹50,000 + GST |
| Waiver Threshold | ₹10 Lakh | None | None |
| Base Return | 1.00% - 4.5% | 2.50% | 1.50% - 3.0% |
| Lounge Access | Unlimited Int'l | Unlimited Dom & Int'l | Unlimited Dom & Int'l |
5. Verdict: Should You Apply for the Marquee Credit Card?
Get it if...
- ✓ You want a solid base return of 1.00% on everyday purchases.
- ✓ You travel frequently and want premium lounge privileges.
- ✓ You spend enough to easily trigger annual fee waivers.
Skip it if...
- ✗ You do not want to pay the upfront ₹9,999 + GST joining fee.
- ✗ You prefer direct cash-back over reward points or travel miles.
- ✗ Your major spends are on rent, utility or government fees, which are excluded: (Rent).
Exclusions & Caps Warning
- Spends on Rent, Government transactions, and Wallet Loads are excluded from the annual waiver threshold of ₹10,00,000.
- Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
- Cash advances, balance transfers, and EMI conversions do not earn reward points.
Pros & Cons
Advantages | Disadvantages |
|---|---|
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Rewards Point Calculator
Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.
Total Reward Points Earned
28,000
Points / Year
Premium Dining & Lifestyle Benefits
| Category | Privileges & Details |
|---|---|
| Travel & Lounges | Complimentary international airport lounge access (Unlimited lounges) |
Redemption Sweet Spots
Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.
Cardswise Score
8.5
Rewards7/10
Travel Perks7/10
Lifestyle6/10
Value for Money8/10
Frequently Asked Questions
What is the annual fee of YES Bank Marquee Credit Card and is there a waiver?
The annual fee is ₹9,999 + GST. It can be waived if you spend ₹1,000,000 or more in the anniversary year.
What lounge access benefits are provided by Marquee Credit Card?
The card provides access to domestic and international lounges. Domestic access: Complimentary access available. International access: Unlimited.
Does the Marquee Credit Card card have a forex markup waiver?
The card charges a forex markup of 0%. This is highly competitive compared to the industry average of 3.5%.
What is the spending limit on the card?
The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.
How do you apply for this card?
You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.
Do reward points expire?
Yes, the reward points have lifetime validity and will never expire.
Marquee Credit Card
₹9,999 Joining Fee