YES Bank MARQUEE Credit Card

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20,000 bonus YES Rewardz Points on payment of the renewal fee. Spending ₹10,00,000 in an anniversary year waives the next renewal fee.

Joining fee

₹9,999 plus applicable taxes

Annual / renewal fee

₹4,999 plus applicable taxes from the second anniversary onwards

Annual fee waiver

No waiver on the first-year fee — 40,000 YES Rewardz Points are credited when it is realised. Spending ₹10,00,000 in a card anniversary year waives the following year’s renewal fee.

Interest rate

2.99% per month (35.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

1% on foreign currency conversion

DCC markup

1%

Reward redemption

₹0 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹1,000/cycle

Duplicate card

₹100

Income (salaried)

Net salary of ₹3,00,000 a month, or an income tax return of ₹36,00,000 and above

Income (self-employed)

₹36L/year

• What does the MARQUEE Credit Card charge in the first year?
• How does the renewal fee waiver work?
• What is the foreign currency markup?