YES Bank Essence Credit Card
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.
- Joining Fee₹799
- Annual Fee₹799
- Best Suited ForEveryday spends
- Reward TypeYES Rewardz Points (points)
- 12 pts per ₹200 on online lifestyle
- 8 pts per ₹200 on online shopping
- Base 0.36% on other spends
- Welcome vouchers worth ₹1,000
- 5,000 bonus YES Rewardz
YESworldmidRewards and Benefits
- ₹1,00,000 / annual: 10,000 bonus YES Rewardz on ₹1,00,000 annual spend
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹162/mo
You spend ₹15,000 · earns 1.1% = ₹162 uncapped
- Valued at realized redemption value
- Groceries₹86/mo
You spend ₹8,000 · earns 1.1% = ₹86 uncapped
- Valued at realized redemption value
- Dining & food delivery₹86/mo
You spend ₹8,000 · earns 1.1% = ₹86 uncapped
- Valued at realized redemption value
- Travel & hotels₹108/mo
You spend ₹10,000 · earns 1.1% = ₹108 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.4% = ₹18/mo
₹5,530 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Annual fee waivable on ₹1,00,000 spend.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- 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.