- Joining fee
₹799 + GST
- Annual fee
₹799 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
Earn 12 YES Rewardz on ₹200 Online Spends Across Fashion, Beauty, Travel, Dining & Grocery, 8 YES Rewardz on Other Online Spends, and 4 YES Rewardz on Offline Transactions
- Welcome benefits
Vouchers Worth ₹1,000
- Reward redemption
Redeem Reward Points for Vouchers and More
Benefits
- Movie & dining
BOGO on Movie Tickets Once Each Month
- Travel
Low Forex Markup Charge of 2.75%
- Domestic lounge
1 Complimentary Domestic Lounge Access Every Quarter
- Golf
4 Complimentary Golf Green Fee Waivers Every Year. 12 Complimentary Golf Lessons Per Year
- Insurance
Purchase Protection Up to ₹50,000
Fees & charges
- Spend-based waiver
Joining Fee Waiver on Spends of ₹20,000 Within 30 Days of Card Setup. Annual Fee Waiver on Spends of ₹1 Lakh
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
2.75%
- Interest rates
3.99% Per Month (47.88% Annually)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver on Fuel Spends Between ₹400 – ₹5,000
- Cash advance charges
2.5% or ₹650 Whichever is Higher
Product highlights
- The card offers welcome vouchers worth ₹1,000 on activation.
- Cardholders can earn bonus YES Rewardz on achieving spending milestones.
- Users get a Buy 1 Get 1 movie ticket offer once every month on District.
- The card also provides complimentary domestic lounge access every quarter.
- A low forex markup fee of 2.75% makes the card suitable for international spends.
Pros & cons
Pros
- This card comes at an affordable fee of ₹799 + GST, which feels quite reasonable considering the range of features and benefits it offers.
Cons
- The card does not offer complimentary international lounge access, which may disappoint frequent international travelers.
FAQs
Does the YES Essence Credit Card offer lounge access?
Yes, the card offers 1 complimentary domestic airport lounge access every quarter.
What is the annual fee waiver criteria for the YES Essence Credit Card?
The annual fee of ₹799 + GST can be waived on annual spends of ₹1 lakh or more.
Does the YES Essence Credit Card offer movie benefits?
Yes, cardholders get a Buy One Get One offer on movie tickets booked via District once every calendar month.