YES Bank Essence Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank Essence Credit Card is a mid credit card from YES Bank, with a joining fee of ₹799 + GST.
It earns up to 12 pts per ₹200 (≈1.1% value) on online lifestyle spends in the form of yes rewardz points (points).
Welcome benefit: Welcome vouchers worth ₹1,000.
YES Bank Essence Credit Card
- Joining Fee₹799
- Annual Fee₹799
- Best Suited ForEveryday spends
- Reward TypeYES Rewardz Points (points)
Rewards Rate
- 12 pts per ₹200 on online lifestyle
- 8 pts per ₹200 on online shopping
- Base 0.36% on other spends
Welcome Benefits
- Welcome vouchers worth ₹1,000
- 5,000 bonus YES Rewardz
YESworldmidRewards and Benefits
Rewards Rate
12 pts per ₹200 on online lifestyle
8 pts per ₹200 on online shopping
Base 0.36% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome vouchers worth ₹1,000
Milestone Rewards
- ₹1,00,000 / annual: 10,000 bonus YES Rewardz on ₹1,00,000 annual spend
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on District
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- mid card issued by YES Bank.
- Joining / annual fee of ₹799 + GST, waived on annual spends of ₹1,00,000.
- Available on the Mastercard network.
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹1,000 welcome benefit
- Welcome vouchers worth ₹1,000Card setupWindow: 30 days from issuance.
- 5,000 bonus YES Rewardz₹50,000 spend within 90 days of setupWindow: 90 days from issuance.
Accelerated rewards
- 12 pts per ₹200 on online lifestyle12 YES Rewardz per ₹200 on online fashion, beauty, travel, dining & grocery.
- 8 pts per ₹200 on online shopping8 YES Rewardz per ₹200 on other online shopping; 4 per ₹200 base (offline/other).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- government
- education
Milestone benefits
- ₹1,00,000 / annual: 10,000 bonus YES Rewardz on ₹1,00,000 annual spend (≈ ₹2,500 value)
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹3,60,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.