Priority Pass
Yes Bank
Yes Bank Marquee
The Yes Bank Marquee is a top-tier lifestyle powerhouse offering an impressive 4.5% reward rate on online spends and a market-leading 1% forex markup.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 18 May 2026.
At a Glance
Annual Fee
₹4,999
Joining Fee
₹9,999
Fee Waiver
Spend ₹10,00,000 annually
Lounge Access
See details
Forex Markup
1%
Effective Yield
2.25% – 4.5%
Our Take
The Yes Bank Marquee is a top-tier lifestyle powerhouse offering an impressive 4.5% reward rate on online spends and a market-leading 1% forex markup. While its ₹9,999 joining fee is steep, the 60,000 reward points (worth ₹15,000) and unlimited international lounge access for both primary and add-on holders make it a high-value asset for global high-spenders.In 2026, the Marquee card remains one of the few premium cards that rewards "alternative" spends. Following the April 1, 2026 update, the fee-free threshold for utilities and service transactions was raised to ₹50,000, and the wallet-load threshold to ₹75,000, making it more flexible for large household payments. An unbiased review must highlight the 1 lakh monthly reward point cap and the 2026 shift to 6 domestic lounge visits per quarter, which are now strictly for primary and add-on members. With BOGO movie offers (3 free tickets/month) and a ₹10 lakh annual fee waiver, it effectively competes with the HDFC Infinia for those who prioritize online shopping and international travel.
Pros
- Market-Leading 4.5% Online Yield: Earns 36 Reward Points per ₹200 (4.5% value-back) on almost all online spends. Unlike many rivals that restrict rewards to specific 'partners,' Marquee offers this high rate across the board, making it the most versatile online card in 2026.
- The 'Guest-Friendly' Lounge Suite: Provides 24 domestic lounge visits (6 per quarter) and unlimited international access. Crucially, it includes 8 complimentary guest visits annually, a rare feature in 2026 that makes it perfect for family travel.
- Elite 1% Forex Markup: At 1% + GST, it matches the top-tier travel cards in the country. When combined with the 2.25% base reward rate for offline spends, you effectively 'net a profit' of ~1% on international transactions.
- Uncapped Monthly Reward Potential: As of early 2026, there is no overall monthly cap on reward points (except for select categories like utilities). For your high-spending 'whales' on CreditGully, this is a massive advantage over HDFC's restrictive monthly ceilings.
- Comprehensive 'Peace of Mind' Insurance: Includes a ₹15 Lakh credit shield, ₹15 Lakh lost card liability, and a unique ₹50,000 'Purchase Protection' plan that covers electronics bought online against accidental damage for 6 months.
Cons
- New 2026 Utility & Toll Hurdles: Effective April 1, 2026, the threshold for utility fees has been raised to ₹50,000. While this sounds good, any spend above this limit now triggers a 1% surcharge. Similarly, 'Transportation' (Tolls) over ₹75,000 now attracts a new fee.
- The 'Math Trap' on Gift Vouchers: While points are worth ₹0.25 for flights and hotels, the value drops as low as ₹0.10 for popular vouchers like Amazon or Flipkart. To get the full 4.5% value, users *must* redeem via the Yes Rewardz travel portal.
- High Net Renewal Barrier: The annual fee of ₹4,999 is waived only upon spending ₹10 Lakhs in the year. For a card that competes with the 'LTF-friendly' premium segment, this ₹10L milestone is a steep climb for casual users.
- Punitive 'Third-Party' Education Fees: If your readers use apps like CRED or PhonePe to pay education fees, they will be hit with a 1% surcharge (capped at ₹5,000/month). To avoid this, they must pay directly via the institution's portal.
- Low 'Air Mile' Conversion: Unlike the HDFC Infinia’s 1:1 ratio, Marquee converts at 4:1 (4 Reward Points = 1 Air Mile). This effectively reduces the 4.5% online yield to a meager 1.1% when converted to miles, making it a poor choice for 'Mile-Chasers'.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Online Shopping (Accelerated) | 36 Reward Points (RP) per ₹200 | 4.50% | 1,00,000 RP per statement cycle |
| Offline Spends | 18 RP per ₹200 | 2.25% | 1,00,000 RP per statement cycle |
| Select Categories (Utility/Govt/Edu) | 10 RP per ₹200 | 1.25% | 1,250 RP per cycle for Utilities (MCC 4900) |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹10 Lakh | Fee Waiver0 pts | ₹4,999 + GST Savings | Annual renewal fee is waived upon hitting ₹10 Lakhs annual retail spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| YES Rewardz Portal (Flights/Hotels) | ₹0.25 per point1:1 Ratio | Best Value (No convenience fee for travel bookings usually) |
| Air Miles Transfer | Variable4:1 Ratio | Moderate (Partners: Club Vistara/Maharaja Club, InterMiles) |
What You Need to Know
New April 2026 Utility Rules
1% fee applies only after monthly Utility spends exceed ₹50,000.
Impact: A pro-user change; previous limit was ₹25,000. Great for large families.
Transportation Threshold
1% fee on Tolls/Bridge payments if transaction >₹10k or monthly >₹75k.
Impact: Prevents commercial usage but doesn't hurt 99% of retail users.
The 'Buy 3 Get 3' Movie Perk
BOGO up to ₹800 off per ticket. Max 3 free tickets per month.
Impact: Potential monthly saving of ₹2,400. One of the best movie perks in India.
Low Redemption Cap
Monthly reward earning is hard-capped at 1,00,000 points (₹25,000 value).
Impact: Limits value for ultra-spenders (>₹5.5L/month online).
Essential Fine Print
Reward Exclusions
Non-Rewardable Spends: Fuel transactions, Wallet loading, Rent payments, and Cash withdrawals do not earn Reward Points.
Welcome Offer
Welcome Reward Points
40,000 Reward Points credited upon payment of the joining fee.
Lounge Access
Priority PassDomestic Lounge Access
6 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary & Add-on Cardmember. 2 Complimentary Domestic lounge visits for guests in a quarter. Note: Customers need to spend ₹35,000 or more in a quarter to automatically qualify for complimentary lounge privilege in the subsequent quarter
Unlimited International Lounge Access
Unlimited complimentary international lounge access via Priority Pass for primary and add-on cardholders.
Travel Benefits
Low Forex Markup
Reduced foreign currency markup of 1% on all international transactions.
Dining Benefits
Entertainment Offer
Buy 1 Get 1 free on movie and non-movie tickets on BookMyShow, up to ₹800 discount per month.
EazyDiner Prime
Complimentary 6-month EazyDiner Prime membership for exclusive dining discounts.
Golf Benefits
Complimentary Golf
4 complimentary rounds of green fees per calendar year and 1 complimentary golf lesson every month at select golf courses in India.
Milestone Benefits
Renewal Reward Points
20,000 Reward Points credited upon payment of the renewal fee.
Fee Waiver
Annual renewal fee waiver on spending ₹10 Lakhs or more in the preceding year.
Additional Features
Dedicated Concierge
24/7 lifestyle concierge services for travel, dining, and entertainment bookings.
Insurance Cover
Complimentary Air Accident Cover of ₹1 Crore and Credit Shield Cover of ₹10 Lakhs.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹9,999 |
| Annual / Renewal Fee | ₹4,999 |
| Fee Waiver Threshold | Spend ₹10,00,000 annually |
| Forex Markup | 1% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Income Requirement
Minimum net monthly income of ₹3 Lakhs or based on existing relationship with the bank.
Age
Minimum 21 years to maximum 60 years.
Ready to apply for Yes Bank Marquee?
Annual fee: ₹4,999 · Waived on ₹10,00,000 spend
Annual fee
₹4,999
2.25% – 4.5% yield