Meet these thresholds and you're likely to be approved. Final call is Yes Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time Yes Bank tweaks the program.
Travel redemption pays ₹0.25 per point versus ₹0.10 on vouchers — a 2.5x gap. Online spend of ₹1 lakh earns 18,000 YRP worth ₹4,500 at travel versus ₹1,800 on vouchers. Always liquidate through flight/hotel bookings, respecting the 70% invoice cap.
Online earns 36 YRP/₹200 (4.5% at travel value), double the 2.25% offline rate. A ₹5 lakh shift from offline to online unlocks ₹11,250 more in redeemable travel value — roughly the ₹11,799 annual fee itself.
₹10 lakh anniversary-year spend waives the ₹11,799 renewal, and paying the renewal fee itself drops another 40,000 YRP — worth ₹10,000 at travel. Waiver-eligible users should still pay-and-spend to capture both sides.
Domestic lounge is 6 visits per calendar quarter but only unlocks when the previous quarter crossed ₹1,00,000 spend. Front-load one large transaction per quarter to gate open 24 annual domestic visits on top of unlimited international (plus 4 guest visits/year).
Forex markup is 1% — among the lowest in India — and online international spend still earns 4.5% at travel value. Net 3.5% on foreign online carts beats most premium cards' post-markup return on identical spend.
Since April 2025, wallet loads and rent above ₹1 are fully excluded from rewards AND incur a 1% processing fee; government, marketing and fuel are also excluded. Route these to another card so Marquee stays in the 2.25%-4.5% bracket.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
6 domestic + unlimited international visits per year. Primary cardholder.
₹10,000 Welcome reward points.
Air accident cover, lost-card liability, emergency card replacement abroad.
₹10,00,000 of retail spend in the card anniversary year waives the ₹9,999 + GST (₹11,799) renewal fee. At the 4.5% travel-redemption rate on online spends, that ₹10L bucket itself throws off up to ₹45,000 of redeemable value — so hitting the waiver mark compounds the reward stream.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
