VVyaya

Yes Bank MARQUEE Credit Card: Fees, Rewards & Benefits

Utilities card with lounge access

Vyaya Team · Jul 2026
5 min read
Apply Now

We may earn a commission if you apply through this link. It never affects our ratings.

Value Score
9.0 / 10
Annual Fee
₹4,999
Best For
Affluent Online Spender, Frequent Traveller
Network
Visa
Expert Verdict

The Yes Bank MARQUEE is a premium card with strong online earning (36 points per INR 200, capped 100,000/month), 24 domestic plus unlimited international lounge access and a low 1% forex markup. A INR 9,999 joining fee and INR 24 lakh income bar make it a card for affluent, high-volume online spenders and travellers.

YES BANKVisa
Marquee Credit Card
Tap to see back →
REWARD SUMMARY
1.3499999999999999% Base Rewards
Utilities card with lounge access
← Tap to flip back

The Bottom Line

The Marquee Credit Card is built for affluent online spender and frequent traveller. With a ₹4,999 annual fee that is waived on ₹10,00,000 yearly spend, it offers 2.7% rewards on online and 40,000 bonus points. It makes the most sense if your spending matches affluent online spender and frequent traveller.

It earns a base reward rate of 1.3499999999999999% and stacks best when your spending lines up with Affluent Online Spender, Frequent Traveller. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.

What we like
+High base earning of 18 points per INR 200, doubling to 36 per INR 200 on online shopping (capped at a very high 100,000 points/month).
+Excellent lounge access: 24 domestic visits plus unlimited international lounge access for primary and add-on members.
+Low 1% forex markup (plus GST), among the best for a premium card.
+12 complimentary golf games/lessons per year via the Visa golf programme.
+INR 4,999 annual fee waived on INR 10 lakh annual spend, with online purchase protection up to INR 50,000.
What we don't
Reward points are worth only 0.25 INR, so base 18-per-INR-200 is ~2.25% and online 36 ~4.5% in value.
Steep INR 9,999 joining fee and a high INR 24 lakh minimum income requirement.
Utility earning is reduced (10 points per INR 200, ~1.25% value).
Fuel, government, marketing, rent and wallet loads earn no reward points.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Affluent Online Spender

High earners (INR 24 lakh+ income) who spend heavily online and can use the 36-per-INR-200 online rate up to the 100,000-point monthly cap and waive the fee at INR 10 lakh spend.

+
Frequent Traveller

Those who will use 24 domestic and unlimited international lounge visits plus the 1% forex markup.

Probably not for

Skip
Moderate Spender

The INR 9,999 joining fee and INR 10 lakh waiver bar make it hard to justify without large spends.

Lower-Income Applicant

The INR 24 lakh minimum income requirement excludes most.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
05,000Max ₹50k
Est. Returns
Travel
010,000Max ₹1L
Est. Returns
Online & Shopping
08,000Max ₹80k
Est. Returns
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Welcome bonus (Year 1)+₹10,000
Annual fee-₹4,999
Net Value (Year 1)+5,001
Net Value (Year 2+)-4,999
Progress to fee waiver0%

Spend ₹10,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

Marquee Credit Card offers 1.3499999999999999% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Online
2.7%
Utility
0.75%
Insurance
0.75%
Education
0.75%

Welcome Offer

40,000 YES Rewardz Points

40,000 YES Rewardz Points (value up to Rs.10,000 at best redemption rate) credited on payment of the joining fee, plus a complimentary ETPrime (Economic Times Prime) subscription worth Rs.3,199. Not spend-linked; triggered by joining-fee payment.

Value: ₹10,000

Milestone Benefits

Spend ₹10,00,000

Annual/renewal fee of Rs.4,999+GST is waived if annual retail spends reach Rs.10,00,000 (Rs.10 lakh) or more in the preceding membership year.

Fees & Charges

Joining fee₹9,999
Annual fee₹4,999
Fee waiverSpend > ₹10,00,000

Eligibility

  • Min Income: ₹36 Lakhs
  • Min Credit Score: 750
  • Salaried/self-employed age 21-60; min ITR Rs 36 lakh; joining fee Rs 9,999; renewal fee Rs 4,999 waived on Rs 10 lakh annual spend.

Exclusions & Terms

Forex markup

  • Foreign currency markup

Marketing/Advertising services

  • Marketing/Advertising services

EMI conversion (instant and post-purchase)

  • Purchases converted to EMI at point of sale or afterward do not earn reward points.

Cash withdrawal / cash advance

  • Cash withdrawals and the cash advance fee amount do not earn reward points; cash advance fee is 2.5% of transaction amount or Rs.500, whichever is higher.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the Yes Bank MARQUEE?+

The Yes Bank MARQUEE has an annual fee of ₹4,999, waived on annual spends of ₹1,000,000.

What rewards does the Yes Bank MARQUEE offer?+

It earns YES Rewardz Points, with accelerated earning on Utilities.

Does the Yes Bank MARQUEE offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹4,999 annual fee. Apply on the Yes Bank website.

Apply on Yes Bank

We may earn a commission if you apply through this link. It never affects our ratings.

Explore more on Vyaya