YES BankPlatinum

YES Bank Marquee Credit Card

•••• •••• •••• 4242

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Quick facts

YES Bank Marquee Credit Card

Top reward4 RP/₹150

Annual fee₹999

Min income₹40,000/mo

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🛋️Lounge & Premium

YES Bank · Platinum tier

YES Bank Marquee Credit Card

Travel companion

Mid-tier travel and lounge card.

Key Benefits

💳

Lounge access

🎁

Travel insurance

⛽

Reward points

Annual fee

₹999

Top rate

4 RP/₹150

Min income

₹40,000/mo

Eff. return

0.11%

Realistic net value (moderate user): ₹551/year

After ₹999 fee & ₹450 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹2,000

Before fees & forex

Costs / year

₹1,449

Fee ₹999 + forex ₹450

Net value / year

₹551

0.11% effective return on spend

Category-wise breakdown

Travel & flights

Spend ₹5,000/mo · 4 pts per ₹150 spend

₹400/year

₹33.33/mo

133 pts × ₹0.25 = ₹33.33/mo133 pts/mo @ ₹0.25/pt

All other eligible spends

Spend ₹40,000/mo · 2 pts per ₹150 spend

₹1,600/year

₹133.33/mo

533 pts × ₹0.25 = ₹133.33/mo533 pts/mo @ ₹0.25/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 4 pts per ₹150 spend

You spend

₹10,000

→

You earn

267 pts

Worth ≈

₹66.67

@ ₹0.25/point

all — 2 pts per ₹150 spend

You spend

₹10,000

→

You earn

133 pts

Worth ≈

₹33.33

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 36 months if unused.

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Reward Structure

Source: YES Marquee T&Cs

Travel

4 RP/₹150

Other spends

2 RP/₹150

Lounge

Domestic lounge

Excluded categories (no rewards)

EMIFuelRent

Lounge

Domestic lounge

Best for

→ Travel insurance included
→ Mid-tier lounge card
→ ₹40K+ income

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹999

Annual / renewal fee

Charged every year unless waived

₹999

Forex markup

2.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹2,000

Annual fee− ₹999

Forex cost− ₹450

Net annual value₹551

Eligibility Snapshot

Public criteria from YES Marquee T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹40,000/mo

Min income (self-employed)₹9,60,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with YES Bank Marquee Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹2,000/year. After the ₹999 annual fee, net value is approximately ₹551/year. Use the calculator above to model your own spends.

What is the minimum income for YES Bank Marquee Credit Card?+

₹40,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.