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YES Bank · Mastercard / Visa · हिन्दी

YES Essence Credit Card: full review

YES Essence stands out for genuinely different lifestyle perks (preventive health checkups, golf, BOGO movies and coffee) rather than just another rewards card, at an accessible ₹799 fee that is easy to reverse. The reward rate is modest once redeemed at the real ₹0.25/point value, and eligibility is narrow (salaried women only, no existing YES Bank cardholders), but for the right applicant it is a well-rounded entry-level lifestyle card.

Apply now ↗Annual fee: ₹799 + taxes
Last updated: September 2026 · Current terms verified
YES BANK
VISA
)))
ESSENCE
ASHOK KUMAR
12/28
₹799 + taxes (reversed on ₹20,000 spend in first month; renewal waived on ₹1,00,000 spend in preceding 12 months)Annual fee
12 reward points per ₹200 on online dining, grocery, shopping, beauty and travel (effective 1.5%); 8 RP per ₹200 on other online spends (effective 1%); 4 RP per ₹200 on offline spends (effective 0.5%); 1 RP = ₹0.25Reward structure
1 domestic visit/quarter, conditional on ₹25,000+ spend in the previous quarterLounge access
12 reward points per ₹200 on online dining, grocery, shopping, beauty and travel (1 RP = ₹0.25; effective 1.5%)8 reward points per ₹200 on other online spends (effective 1%)1 domestic lounge visit per quarter on ₹25,000+ spend in the previous quarter5,000 bonus RP on ₹50,000 spend within first 90 days; 10,000 more bonus RP on ₹1L annual spend₹1,000 welcome vouchers across fashion, beauty, travel and fitness brandsAnnual preventive health checkup with cancer marker screeningBOGO movie tickets via District (once/month); BOGO coffee at select mallsBirthday month: ₹1,000 Myntra voucher plus complimentary health checkupGolf lessons and green fee waivers; Amazon Prime and SonyLIV benefitsPurchase protection cover up to ₹50,000
Apply now ↗ Min. income: ₹30,000/month net salary (salaried women only; not eligible if you already hold a YES Bank credit card) · Credit score: 700+
Pros and cons
Pros
✓ Genuinely differentiated lifestyle benefits: health checkups, golf, BOGO movies and coffee
✓ Low ₹799 fee, easily reversed on ₹20,000 first-month spend
✓ Below-average 2.75% forex markup for a card in this fee tier
✓ Lounge access included at an accessible fee tier
Cons
✗ Only available to salaried women; self-employed women not currently eligible
✗ Not available if you already hold any other YES Bank credit card
✗ Real redemption value is ₹0.25/point, diluting the headline reward rate
✗ Lounge access is conditional on a quarterly spend threshold, not unconditional
✗ No international lounge access
Quick facts
Issuer YES Bank
Network Mastercard / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹799 + taxes (reversed on ₹20,000 spend in first month; renewal waived on ₹1,00,000 spend in preceding 12 months)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹799
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter, conditional on ₹25,000+ spend in the previous quarter
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.75%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹30,000/month net salary (salaried women only; not eligible if you already hold a YES Bank credit card)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceYES Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for YES Essence Credit Card is ₹799 + taxes (reversed on ₹20,000 spend in first month; renewal waived on ₹1,00,000 spend in preceding 12 months). The joining fee is ₹799.
12 reward points per ₹200 on online dining, grocery, shopping, beauty and travel (effective 1.5%); 8 RP per ₹200 on other online spends (effective 1%); 4 RP per ₹200 on offline spends (effective 0.5%); 1 RP = ₹0.25
YES Essence Credit Card is best for Salaried women wanting lifestyle rewards on dining, shopping, beauty and travel with lounge access. YES Essence stands out for genuinely different lifestyle perks (preventive health checkups, golf, BOGO movies and coffee) rather than just another rewards card, at an accessible ₹799 fee that is easy to reverse. The reward rate is modest once redeemed at the real ₹0.25/point value, and eligibility is narrow (salaried women only, no existing YES Bank cardholders), but for the right applicant it is a well-rounded entry-level lifestyle card.
The minimum income requirement for YES Essence Credit Card is ₹30,000/month net salary (salaried women only; not eligible if you already hold a YES Bank credit card). A minimum credit score of 700+ is also recommended.
Yes, YES Essence Credit Card offers 1 domestic visit/quarter, conditional on ₹25,000+ spend in the previous quarter.
YES Essence Credit Card charges a 2.75% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
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