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1st Year Fee: ₹799* Plus Applicable Taxes
Online Shopping
Up to 12 YES Rewardz per Rs. 200 spent
Golf Benefits
12 complimentary golf lessons p.a.
Movie Benefit
Buy 1 Get 1 offer on movie tickets
Author: Shruti Sharma
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YES Essence Credit Card is designed for consumers who frequently spend online on dining, travel, fashion, beauty and groceries. Cardholders can earn up to 12 YES Rewardz per Rs. 200 on eligible online spends across select categories and 8 YES Rewardz per Rs. 200 on other online shopping spends. The card also offers a base reward rate of 4 YES Rewardz per Rs. 200 on offline spends.
In addition to rewards, the card offers a wide range of lifestyle, travel and entertainment perks. These include complimentary domestic airport lounge access, 12 golf lessons every year, buy one get one offer on movie tickets, complimentary ET Prime subscription, milestone rewards and birthday-month benefits. Overall, this credit card can be suitable for consumers looking for a lifestyle credit card with a decent reward rate on online spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit YES BANK’s website.
Reward Points1
Travel Benefits
Welcome Benefits


Milestone Benefits
Annual Benefit
Golf Benefits
Movie Benefits
Other Benefits
| Particulars | Amount | ||||||
|---|---|---|---|---|---|---|---|
| Joining Fee3 | Rs. 799 + Applicable Taxes | ||||||
| Annual Fee3 | Rs. 799 + Applicable Taxes | ||||||
| Finance Charges | 3.99% per month (47.88% per annum) | ||||||
| Late Payment Charges |
|
You frequently spend online on fashion, beauty, travel, dining and grocery
You can maximize lifestyle benefits such as golf games, free movie tickets, digital subscriptions, etc.
You want a credit card offering both lifestyle benefits and rewards on everyday spends
You can spend Rs. 1 Lakh in a year to maximize milestone benefits and also avail an annual fee waiver
Age Requirement: 21 to 60 Years
Occupation: Salaried
Salary Requirement: Rs. 30,000 per month
Travel3.0/5
Rewards3.0/5
Online Shopping3.5/5
Lifestyle Benefits3.5/5
YES Essence Credit Card stands out for consumers who spend online by offering up to 12 YES Rewardz per Rs. 200 on eligible online spends across fashion, beauty, travel, dining and grocery and 8 YES Rewardz per Rs. 200 on other online shopping spends. Beyond rewards, the card offers several premium lifestyle benefits, including domestic airport lounge access, golf privileges, movie offers, digital subscriptions and birthday month benefits. The milestone rewards can further enhance its value for consumers who are able to meet the spending thresholds. Overall, YES Essence Credit Card is best suited for consumers who prefer to spend online and can easily maximize its rewards, milestone benefits and other lifestyle privileges.
Everything you need to know about this credit card
YES Essence Credit Card offers 12 YES Rewardz per Rs. 200 on eligible online spends across fashion, beauty, travel, dining and grocery. It offers 8 YES Rewardz per Rs. 200 on other eligible online shopping spends and 4 YES Rewardz per Rs. 200 on offline spends.
Yes. Cardholders can avail 1 complimentary domestic airport lounge access per quarter by spending Rs. 25,000 or more in the previous quarter.
Cardholders can earn 5,000 bonus YES Rewardz on spending Rs. 50,000 within the first 90 days of card setup. An additional 10,000 bonus YES Rewardz can be earned on annual spends of Rs. 1 lakh.
Yes. The card offers 4 green fee waivers and 12 complimentary golf lessons per year, subject to the applicable terms and conditions.
Yes. The joining fee can be reversed on spending Rs. 20,000 within one month of card setup. The annual fee can be reversed on spending Rs. 1 lakh in the previous year.
The card offers several additional lifestyle benefits, including a complimentary ET Prime subscription with 3-month Sony LIV access, a Rs. 1,000 Myntra voucher, a women-centric health check-up during the birthday month and Buy 1 Get 1 coffee offers at select coffee outlets in malls.
YES Essence Credit Card is best suited for consumers with who prefer to spend online and want to earn accelerated rewards while availing other benefits such as lounge access, golf games, movie offers, subscriptions and more.
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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