YES Bank Marquee Credit Card - Premium Benefits

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Features of YES Bank Marquee Credit Card

Reward Points Structure: The card's reward points program is one of its standout features, offering accelerated earnings across various spending categories. Cardholders earn 36 Reward Points for every ₹200 spent on online shopping, translating to a 4.5% reward rate when redeemed for flights or hotels (1 Reward Point = ₹0.25). For offline purchases, you earn 18 Reward Points per ₹200, equivalent to a 2.25% reward rate.
Airport Lounge Access: Travel benefits are a cornerstone of the Marquee Credit Card, with unlimited complimentary access to international airport lounges for both primary and add-on cardholders. The card also provides 24 complimentary domestic lounge visits per year (capped at 6 per quarter) for both primary and add-on cardholders, provided a minimum spend of ₹35,000 is met in the preceding quarter.
Entertainment and Lifestyle Benefits: The card caters to entertainment enthusiasts with its BookMyShow Buy-One-Get-One (BOGO) offer, allowing cardholders to avail up to three free movie tickets per month (capped at ₹800 each). The Dining Fiesta program offers a minimum 15% discount at over 1,000 restaurants across Tier 1 and select Tier 2 cities.
Travel and Forex Benefits: For international travelers, the card offers a low foreign exchange markup fee of 1%, one of the lowest in the premium segment. The card also provides fuel surcharge waivers of 1% on transactions between ₹400 and ₹5,000 at fuel stations across India.

- Golf and Wellness Privileges: The Marquee Credit Card includes exclusive golf benefits, such as four complimentary green fee waivers per year (one per quarter) and one free golf lesson per month at select golf courses in India.
- Joining Fee: The card carries a joining fee of ₹9,999 + GST, which is offset by the welcome benefit of 40,000 Reward Points (worth ₹10,000 when redeemed for travel).
- Annual Fee: The annual fee is ₹4,999 + GST from the second year, which can be waived by spending ₹10 lakh annually. Renewal benefits include 20,000 Reward Points.
- Insurance and Protection: The card offers robust insurance coverage, including a credit shield cover of ₹15 lakh and lost card liability protection of ₹15 lakh, ensuring financial security in case of card loss or fraud.
- Contactless Payments: The card supports contactless payments, enabling quick and secure transactions at compatible terminals. It is available in both Visa Infinite and Mastercard variants, each offering slightly different perks.
- Flexibility with Add-On Cards: The card allows up to three add-on cards, sharing the same credit limit as the primary card. Add-on cardholders enjoy the same benefits, including unlimited international lounge access and domestic lounge visits.
- Reward Points Versatility: The card's reward points are highly versatile, with a 4.5% reward rate on online spends (up to ₹5.5 lakh monthly) and 2.25% on offline spends. The ability to earn points on restricted categories like rentals and utilities sets it apart from competitors.
- Video KYC (VKYC): The application process includes a video KYC session, where a bank representative verifies your identity via a video call. This streamlined process requires minimal physical documentation.
- Card-on-Card (C2C) Application: Applicants with existing premium credit cards (e.g., HDFC Infinia, Axis Magnus) with a credit limit of ₹10 lakh or higher can apply via the C2C route, increasing approval chances for those with limited income documentation.
- Quarterly Lounge Access Calendar: Domestic lounge access is based on a unique quarterly calendar (e.g., spending from 21st March to 20th June determines access for 21st June to 20th September). Meeting the ₹35,000 spend threshold in the prior quarter unlocks 6 visits for the next quarter.
- Welcome and Renewal Benefits: Welcome benefits include 40,000 Reward Points (worth ₹10,000 for travel), credited after paying the joining fee. Renewal benefits include 20,000 Reward Points annually, provided the annual fee is paid or waived.

Benefits of the YES Bank Marquee Credit Card

1. High-Value Welcome and Renewal Benefits:
- Generous Welcome Bonus: Get 40,000 YES Rewardz Points on joining, valued at ₹10,000 when redeemed for flights or hotel stays—effectively offsetting the ₹9,999 + GST joining fee.
- Renewal Rewards: Earn 20,000 YES Rewardz Points annually on renewal, worth ₹5,000 at the highest redemption rate, helping cardholders get continued value from the card.
- Annual Fee Waiver: Spend ₹10 lakh in the previous year to get the ₹4,999 + GST annual fee waived—ideal for high spenders looking for cost efficiency.
- Flexible Redemption Options: Use your Rewardz Points for flight bookings, hotel stays, shopping vouchers, or other redemption categories—ensuring versatile reward utility.

- Exceptional Travel Perks: The card’s travel benefits are among its most compelling features. Unlimited international lounge access for primary and add-on cardholders offers unmatched convenience.
- Entertainment and Dining Savings: With a potential annual saving of ₹28,800, this benefit appeals to moviegoers and those attending concerts or sports events. The ability to use this offer for premium seating enhances its value.
- Fuel and Everyday Savings: The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, with a potential annual saving of ₹12,000.
- Golf and Lifestyle Privileges: For golf enthusiasts, the card provides four complimentary green fee waivers per year and one free golf lesson per month at select golf courses.
- Robust Insurance Coverage: The card’s insurance benefits provide financial security, including a ₹15 lakh credit shield cover for outstanding balances in case of unforeseen events and ₹15 lakh lost card liability protection.
- Flexibility with Add-On Cards: The card allows up to three add-on cards, sharing the same credit limit as the primary card. Add-on cardholders enjoy the same benefits, including unlimited international lounge access.
- Reward Points Versatility: The card’s reward points are highly versatile, with a 4.5% reward rate on online spends and 2.25% on offline spends.

How to Apply for YES Bank Marquee Credit Card

Online Application Process:
- Visit the official YES Bank website and navigate to the “Credit Cards” section.
- Select the “Marquee Credit Card” and click on “Apply Now.”
- Enter basic details like mobile number, PAN, and income to check pre-qualified offers.
- Fill out the application form with personal, employment, and financial details.
- Upload scanned copies of required documents (PDF/JPEG within permitted size limits).
- Complete a Video KYC session by keeping your PAN and Aadhaar ready.
- Receive an application reference number to track your application status online.
Offline (Branch-Based) Application Process:
- Visit the nearest YES Bank branch and express your interest in the Marquee Credit Card.
- Choose between digital application (OTP-based form filling with assistance) or manual form submission.
- Provide self-attested copies of income proof, KYC documents, and recent passport-size photographs.
- Complete the process with assistance from the bank staff. VKYC or address verification may follow.
Card-on-Card (C2C) Application:
- Apply using an existing premium credit card (e.g., HDFC Infinia, Axis Magnus) with a ₹10 lakh+ limit.
- Submit the latest statement of the existing card along with the Marquee application.
- This route improves approval chances, especially if income documents are limited.
Tips for a Successful Application:
- Maintain a credit score of 750+ to qualify for premium eligibility checks.
- Declare a monthly salary of ₹3 lakh+ or ITR of ₹24 lakh+ per year (for self-employed).
- Ensure all entered details match your documents and avoid overstating income.
- If you closed another YES Bank card recently, wait 3–6 months before reapplying.
- Leverage existing YES Bank relationships (e.g., FDs, savings accounts) to improve eligibility.
Challenges & Alternatives:
- If the Marquee card isn’t visible online, try visiting a branch or call customer care for alternatives.
- YES Bank may suggest alternative cards based on your profile (e.g., YES Reserve).
- Use verified platforms or bank representatives for guided application assistance.
Tracking Application Status:
- Use the application number on the YES Bank website or app to check status.
- Alternatively, contact customer care or await SMS/email updates for status changes.
Post-Approval Process:
- Card delivery typically occurs within 7–10 working days after approval.
- Activate the card via YES Bank app, website, or customer support helpline.
- Welcome benefits (e.g., 40,000 Reward Points) are usually credited in the next billing cycle.
- Register for YES Bank online services to track spending, limits, and rewards.

Eligibility Criteria for YES Bank Marquee Credit Card

1. Age Requirements
- Minimum Age: 21 years
- Maximum Age: 60 years
2. Income Requirements
- Salaried: Minimum net salary of ₹3 lakh per month (₹36 lakh annually)
- Self-Employed: Minimum ITR of ₹24 lakh annually
3. Credit Score and History
- Preferred Score: 750–800 or higher (based on CIBIL or equivalent)
- Clean repayment history with low credit utilization and minimal recent inquiries
- No missed payments or defaults
4. Employment and Residential Status
- Salaried: Stable job with 1–2 years of experience, preferably with the current employer
- Self-Employed: Proof of stable business income through ITRs or financial statements
- Nationality: Indian resident (NRIs face documentation constraints)
5. Existing YES Bank Relationship
- Having a YES Bank savings account, FD, or credit card may improve chances of approval
6. Card-on-Card (C2C) Eligibility
- Must hold a premium credit card with a credit limit of ₹10 lakh or more (e.g., HDFC Infinia, Axis Magnus)
- Recent card statements must show timely payments and healthy usage
7. Additional Considerations
- No Recent YES Bank Card Closure: Avoid applying if you’ve closed another YES Bank card in the past 3–6 months
- Income Verification: Additional proof like salary slips or bank statements may be required for high-income applicants
- VKYC Compliance: Mandatory video KYC with stable internet and valid ID proof
8. Banking Relationship Duration
- Minimum 6 months of active savings or current account with YES Bank is preferred
9. Digital Accessibility
- Applicant should be comfortable using video call technology for VKYC and digital document upload
10. Residential Location
- Must reside in a serviceable PIN code area as recognized by YES Bank’s credit card dispatch network
11. PAN and Aadhaar Availability
- Mandatory PAN and Aadhaar card linkage for VKYC and verification steps
12. Email and Mobile Number
- Valid email ID and mobile number required for OTP, e-statements, and application tracking
13. Non-Defaulter in Financial Systems
- Must not be blacklisted or marked as a defaulter by RBI or other banks/financial institutions
14. Income Credit Proof
- Salary credit must reflect in bank statements from a reputed employer (for salaried individuals)
15. Business Stability (Self-Employed)
- Business should be operational for a minimum of 3 years with steady annual turnover

Documents Required for YES Bank Marquee Credit Card

Identity Proof:
- PAN Card (mandatory): Links the application to your tax profile and is required for CIBIL checks.
- Aadhaar Card: Preferred for VKYC, as it facilitates instant verification via OTP.
- Passport: Valid for both identity and address proof, especially for NRIs.
- Driver’s License: Accepted if other documents are unavailable.
- Voter ID: Less commonly used but valid.
Address Proof:
- Aadhaar Card: Doubles as identity and address proof if the address is current.
- Passport: Valid if it lists your current address.
- Utility Bill (electricity, water, gas): Must be recent (within 3 months) and in your name.
- Rental Agreement: Accepted if registered and accompanied by a utility bill.
- Bank Statement: Must show your name and address, dated within 3 months.
Income Proof:
To verify the high income threshold (₹3 lakh/month for salaried, ₹24 lakh ITR for self-employed), submit:
- Salary Slips: Last 3–6 months’ slips for salaried applicants, showing net salary credits.
- Income Tax Return (ITR): Latest ITR with computation of income for self-employed applicants, reflecting ₹24 lakh or above.
- Form 16: For salaried individuals, complements salary slips to confirm taxable income.
- Bank Statements: Last 6 months’ statements showing salary credits or business income, especially for high-income claims (>₹30 lakh).
- Financial Statements: For self-employed applicants, audited balance sheets or profit/loss statements may be requested.
Photograph:
- A recent passport-size photograph is required for the application form and card personalization.
- For online applications, upload a digital copy (JPEG/PNG, <5MB).
- Ensure the photo is clear, front-facing, and taken against a plain background.
Card-on-Card (C2C) Documents:
- Credit Card Statements: Last 3–6 months’ statements of a premium card (e.g., HDFC Infinia, Axis Magnus) with a ₹10 lakh+ limit.
- Copy of Credit Card: Front side (masking the first 12 digits) to verify card ownership.
- Statements should show healthy usage, timely payments, and available credit to demonstrate creditworthiness.
Additional Documents (if requested):
- Employment Proof: Appointment letter, employee ID, or company certificate for salaried applicants.
- Business Proof: GST registration, shop license, or partnership deed for self-employed applicants.
- Property Documents: For high-income self-employed individuals, to verify asset ownership.
- Existing Yes Bank Account Statement: If you’re an existing customer, to strengthen your application.
Tips for Document Submission:
- Digital Copies: For online applications, scan documents in PDF or JPEG format (<5MB each). Ensure clarity to avoid rejections.
- Consistency: Ensure names, addresses, and income details match across all documents and the application form.
- Secure Upload: Use Yes Bank’s secure portal for uploads to protect sensitive data.
- Backup Copies: Keep physical and digital copies of all documents for VKYC or branch submissions.

Factors Influencing the Yes Bank Marquee Credit Card

Financial Profile:
Your financial profile is the primary determinant of approval and card utility:
- Income Level: High income threshold (₹3 lakh/month salaried, ₹24 lakh ITR self-employed) restricts card to affluent individuals. Lower incomes may struggle with ₹9,999 joining fee and ₹10 lakh annual spend for fee waivers.
- Credit Score: CIBIL score of 750–800+ crucial for approval. Low scores or negative credit events risk rejection.
- Existing Credit Limits: For C2C applications, ₹10 lakh+ limit on another premium card required; else income-based with robust documentation needed.
- Debt-to-Income Ratio: High existing debt or EMIs can reduce approval chances or limit credit offered.
A strong financial profile ensures approval and maximizes rewards and fee waivers.
Spending Habits:
Aligning spending with reward structure is key:
- Online Spending: 4.5% rewards on online spends (up to ₹5.5 lakh/month) benefit heavy online shoppers; offline spends earn 2.25%, possibly insufficient to justify fees.
- Travel Frequency: Unlimited international lounge access and 1% forex markup fees benefit frequent travelers.
- Entertainment & Dining: BOGO movie offer (up to ₹28,800 annually) and 15% dining discounts reward frequent diners and entertainment lovers.
- Restricted Categories: 1.25% rewards on rentals, utilities, and insurance; low spenders in these categories gain little.
Lifestyle and Preferences:
Suitability depends on lifestyle:
- Travel-Oriented Lifestyle: Lounge access, low forex fees, travel redemptions valuable for globetrotters.
- Entertainment Focus: Moviegoers and concert attendees benefit most from BOGO offer.
- Golf Enthusiasm: Four free green fees and monthly lessons appeal to golfers.
- Dining Habits: Frequent diners in Tier 1/2 cities save via Dining Fiesta program.
Operational Considerations:
Practical aspects affect usability:
- Redemption Flexibility: YES Rewardz Portal offers travel, vouchers, miles but limited airline partners and variable point values (₹0.10–0.25/point).
- Lounge Access Thresholds: Domestic lounge access requires ₹35,000 quarterly spends, demanding disciplined spending.
- System Reliability: Some report Dining Fiesta website issues or delayed credits; proactive customer care is advised.
- Card Availability: Marquee may not be offered to all eligible applicants; branch or C2C applications help.
Competitive Landscape:
Compare with alternatives to pick the best card:
- HDFC Diners Club Black: 3.33% rewards and SmartBuy multipliers; lacks unlimited lounge access.
- ICICI Emeralde: Matches unlimited lounge access but higher forex fee (2%).
- SBI Cashback: 5% cashback on online spends but fewer lifestyle perks.
Risk of Devaluation:
Consider potential risks:
- Reward point value reductions (e.g., from ₹0.25 to ₹0.15 for some redemptions).
- Changes to lounge access or BOGO terms.
- Increased fees or spending thresholds.
- High spenders with strategic redemptions can mitigate risks; cautious users may prefer stable issuers.

Frequently Asked Questions (FAQs) - YES Bank Marquee Credit Card

1. What is the Yes Bank Marquee Credit Card?

The Yes Bank Marquee Credit Card is a premium credit card designed for high-income individuals, offering accelerated reward points, unlimited international lounge access, entertainment benefits like BookMyShow BOGO offers, and exclusive lifestyle perks such as golf privileges.

2. What are the key features of the Marquee Credit Card?

36 Reward Points per ₹200 on online spends (4.5% reward rate).
Unlimited international lounge access.
24 domestic lounge visits per year.
1% forex markup fee.
BookMyShow BOGO (up to 3 free tickets/month).
15% dining discounts.
Golf benefits including 4 green fee waivers/year and 1 lesson/month.

3. What is the reward points structure of the card?

36 Reward Points per ₹200 on online spends.
18 Reward Points per ₹200 on offline spends.
10 Reward Points per ₹200 on restricted categories like utilities, insurance, rentals, education, and government services.

Points are redeemable via the YES Rewardz Portal.

4. How can I redeem the Reward Points?

Points can be redeemed for flights, hotels, gift vouchers, or merchandise on the YES Rewardz Portal. They can also be converted to air miles with partners like Club Vistara or InterMiles (4 YES Rewardz Points = 1 mile). Redemption value varies, with travel bookings offering ₹0.25 per point.

5. What are the lounge access benefits of the card?

The card offers unlimited complimentary international lounge access for primary and add-on cardholders and 24 domestic lounge visits per year (6 per quarter) for both, subject to a minimum spend of ₹35,000 in the preceding quarter.

6. How does the quarterly lounge access calendar work?

Domestic lounge access is based on a quarterly calendar (e.g., spending from 21st March to 20th June determines access for 21st June to 20th September). Meeting the ₹35,000 spend threshold in the prior quarter unlocks 6 visits for the next quarter.

7. What is the BookMyShow BOGO offer?

Cardholders can avail up to three free movie or non-movie event tickets per month (capped at ₹800 each) via BookMyShow’s Buy-One-Get-One offer, potentially saving ₹28,800 annually. The offer applies to premium seating and events like concerts or sports.

8. What are the dining benefits of the card?

The Dining Fiesta program provides a minimum 15% discount at over 1,000 restaurants across Tier 1 and select Tier 2 cities, accessible via the Dining Fiesta microsite.

9. What is the foreign exchange markup fee?

The card charges a 1% foreign exchange markup fee on international transactions, one of the lowest in the premium segment.

10. Does the card offer fuel surcharge waivers?

Yes, the card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, with a potential annual saving of ₹12,000.

11. What golf benefits does the card offer?

Cardholders receive four complimentary green fee waivers per year (one per quarter) and one free golf lesson per month at select golf courses in India.

12. What insurance coverage is included?

₹15 lakh credit shield cover.
₹15 lakh lost card liability protection.
Purchase protection plan for online purchases of electronics and mobile phones.

13. What are the fees associated with the card?

Joining fee: ₹9,999 + GST (offset by 40,000 Welcome Reward Points worth ₹10,000 for travel).
Annual fee: ₹4,999 + GST from the second year, waivable with ₹10 lakh annual spends.

14. What are the welcome and renewal benefits?

Welcome benefits include 40,000 Reward Points credited after paying the joining fee. Renewal benefits include 20,000 Reward Points annually, provided the annual fee is paid or waived.

15. Is the card available in multiple variants?

Yes, it is offered in Visa Infinite and Mastercard variants, with slight differences in perks. Both support contactless payments and have a premium design.

List of Yes Bank Marquee Credit Card Tamil Nadu Branches Banks

Chennai - Adyar
Chennai - Anna Nagar
Chennai - Ashok Nagar
Chennai - Besant Nagar
Chennai - Egmore

Chennai - K.K. Nagar
Chennai - Kilpauk
Chennai - Kodambakkam
Chennai - Madipakkam
Chennai - Mylapore

Chennai - Nungambakkam
Chennai - Purasawakkam
Chennai - R. A. Puram
Chennai - Saligramam
Chennai - Tambaram

Chennai - T. Nagar
Chennai - Valasaravakkam
Chennai - Velachery
Tamil Nadu - Coimbatore
Tamil Nadu - Madurai

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