MARQUEE Credit Card

The catch: what a point is worth now

YES Bank Marquee still earns 36 YES Rewardz points per ₹200 on online shopping, the headline that made it popular. The catch is on the other side. Users report that gift-voucher redemptions dropped from ₹0.25 to ₹0.15 a point, with Amazon Pay removed from the catalogue. Our record says points are worth "up to ₹0.25", and users say that top value now comes mainly through travel bookings.

So the same 36 points per ₹200 is about 4.5% if you redeem on flights or hotels, and about 2.7% if you redeem on vouchers. That gap is the first thing to plan around before you pay a ₹9,999 + GST joining fee.

What ₹50,000 a month online earns

Spend ₹50,000 a month directly on shopping sites and you earn 9,000 points. At ₹0.25 that is ₹2,250 a month; at ₹0.15 it is ₹1,350. Over a year, that is ₹27,000 against ₹16,200, a ₹10,800 difference that comes purely from how you redeem.

The other rates:

• 18 points per ₹200 offline (about 2.25% at ₹0.25).
• 10 points per ₹200 on select categories.
• Nothing on insurance, rent, wallets, fuel, government, education, railways and toll since 15 June 2026, and nothing on cash or EMI.

Points are counted in full ₹200 blocks, so a ₹199 purchase earns zero and a ₹599 one earns for ₹400. Earning is capped at 1 lakh points a statement cycle, and points expire after 36 months.

Movies and the 1% forex markup

These two keep many holders loyal. The BookMyShow buy-one-get-one offer is worth up to ₹2,400 a month; users describe it as up to ₹800 off a ticket, three times a month. One older thread is titled "Don't get Yes Bank Marquee Credit Card if you are single", and that is fair: the benefit only works for pairs.

Abroad, the forex markup is 1% plus GST, against the 3.5% many cards charge, and eligible foreign spends still earn points.

Lounges after the ₹1 lakh rule

International lounge access is listed as unlimited for primary and add-on cardholders. Domestic access is 6 visits a quarter, but only if you spent ₹1 lakh in the previous quarter, about ₹33,333 a month. Miss it in one quarter and the next quarter has no free domestic visits. Users ask whether the spend rule also covers Priority Pass abroad; our sources do not settle it, so ask YES Bank.

The fee and the ₹10 lakh waiver

After the ₹9,999 + GST joining fee, renewal is ₹4,999 + GST, waived only if you spend ₹10 lakh in the year. Most holders will pay it, so count about ₹5,899 a year as a real cost. Users also report weak customer support, paper forms for add-on cards and, in one case, a card closed after YES Bank flagged payments as suspicious, with the points lost.

Marquee in 2026: keep, get or skip?

Marquee still makes sense if you spend ₹50,000 or more a month directly online, book movies for two most months, spend abroad and are happy to redeem on travel. At that level the renewal fee is small next to the rewards.

If you were counting on vouchers or easy domestic lounges, the card has moved away from you. Users who mainly want SmartBuy multipliers prefer HDFC Infinia, and milestone chasers prefer HDFC Diners Club Black. Our Marquee Reddit review covers what holders say in more detail.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva