Card Details
YES PRIVATE Credit Card
Monzy Score
9/ 10
Excellent for lounge-hungry travellers.
The ~₹10,000 fee needs heavy spend to justify; strong ~10% back in its core category; low forex markup for overseas use.
Card Issuer
YES BANK
Joining Fee
₹50,000
Annual Fee
₹10,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
20pts
/₹200 on Domestic Spends
40pts
/₹200 on International Spends
Benefits
Unlimited domestic & international lounge access
0.50% forex markup fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
domestic retail spends
16 RP/200 = 8 RP/100 (~2%).
₹600
international spends
24 RP/200 = 12 RP/100. Forex 0.5%.
₹0
utility, government, insurance, education & rent
4 RP/200 = 2 RP/100. Utility cap 300 RP/statement (=75).
₹0
Total Annual Return
₹7,200
2% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Here's some love for the Yes Bank Exclusive Card”
by r/CreditCardsIndia, Jul 2024
“Yes Bank Elite+ Credit Card”
by r/CreditCardsIndia, Sep 2025
“What do you guys think about Yes Bank Marquee?”
by r/CreditCardsIndia, Jul 2024
“What is your dream credit card?”
by r/IndianCreditCards, Jul 2025
“NEVER EVER GET A CC FROM YES BANK”
by r/CreditCardsIndia, May 2026
Frequently Asked Questions
The joining fee is ₹50,000 plus GST and the renewal fee is ₹10,000 plus GST. YES Bank waives the renewal fee if you spend ₹25L in the previous year, which is about ₹2,08,333 a month. If your card spend sits below that, treat ₹10,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Fuel, rent payment, cash advance, fees & charges, and EMI transactions do not earn reward points.
