Yes Bank Marquee Credit Card Review : October 2024

The Yes Bank Marquee Credit Card is one of the premium offerings from Yes Bank, designed for individuals who seek high-end benefits such as lounge access, high reward rates, and exclusive lifestyle perks. If you're a frequent traveler, enjoy premium experiences, or have significant online spends, this card can be a valuable addition to your wallet.

Key Features of Yes Bank Marquee Credit Card

This super-premium card is designed for high net-worth individuals, offering a range of benefits that elevate both lifestyle and financial flexibility. Below is a comprehensive look at its most attractive features:

Reward Program

• 4.5% Reward Rate on Online Spends: You can earn an impressive 4.5% reward rate for all online transactions, making it a top choice for people who frequently shop or book services online.
• Accelerated Rewards: The card also offers accelerated rewards on travel, dining, and specific high-value purchases.
• Redemption Flexibility: You can redeem your reward points as shopping vouchers or for other lifestyle perks.

Travel Benefits

• Complimentary Airport Lounge Access: Enjoy unlimited access to airport lounges both domestically and internationally, through Priority Pass. Note that lounge access is linked to your card directly, eliminating the need for an additional physical Priority Pass.
• Exclusive Hotel & Dining Offers: Cardholders can avail of exclusive discounts on dining and luxury hotels, making travel more rewarding.

Eligibility Criteria

Fees & Charges

Lifestyle & Entertainment

• BookMyShow Discounts: Cardholders get 25% off on BookMyShow tickets—both movie and non-movie bookings.
• Complimentary Golf Games: Access to complimentary golf games and lessons at select golf courses across India.

Insurance and Security

• Travel Insurance: Includes travel insurance for overseas trips, covering flight delays, baggage loss, and medical emergencies.
• Fraud Liability Cover: Cardholders receive a comprehensive fraud protection cover that ensures your card is protected against unauthorized transactions.

Additional Perks

• Roadside Assistance: Complimentary roadside assistance service, which includes towing, emergency fuel delivery, and minor repairs.
• Concierge Services: 24x7 concierge assistance for bookings, travel arrangements, and event planning.

Comparison with Other Cards

When compared with other super-premium cards such as the Axis Magnus and HDFC Infinia, the Yes Bank Marquee card stands out for its online spending reward rate and complimentary benefits like lounge access and golf privileges. However, one drawback is that it lacks the ability to transfer points to international airline or hotel loyalty programs, unlike other ultra-premium cards.

Most Frequently Asked Questions (FAQs)

What is the annual fee for the Yes Bank Marquee Credit Card?

The annual fee is ₹10,000, and it can be waived if you spend over ₹20 lakh in a year.

How do I apply for the Yes Bank Marquee Credit Card?

You can apply online through the Yes Bank website.

What is the reward rate on the Yes Bank Marquee Credit Card?

The card offers a 4.5% reward rate on online spends and accelerated rewards on travel and dining.

Does the card offer airport lounge access?

Yes, the card provides unlimited domestic and international lounge access through Priority Pass.

What is the interest rate on the Yes Bank Marquee Credit Card?

The interest rate on revolving credit is 1.99% per month, which is competitive for a premium card.

What are the eligibility criteria?

You need a minimum annual income of ₹24 lakh, and you must be between the ages of 21 to 60.

Are there any fuel surcharge waivers?

Yes, the card offers a fuel surcharge waiver, though terms apply.

Can I redeem points for flight bookings?

No, reward points cannot be directly transferred to airline or hotel loyalty programs.

What is the foreign currency markup fee?

The card charges a 1.75% markup on international transactions.

Is there a welcome bonus for new users?

Yes, cardholders receive a substantial welcome bonus in the form of reward points or vouchers.

Conclusion

The Yes Bank Marquee Credit Card is a feature-packed offering for high-income individuals who want access to premium lifestyle and travel perks. It shines with its high reward rates, especially for online spending, and offers solid benefits like lounge access and complimentary golf games. However, if you're looking for international airline miles transfers, you might find other cards like the Axis Magnus or HDFC Infinia more suitable.