YES Bank
YES BANK Essence Credit Card
Best for premium lifestyle and travel benefits
₹2,999/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹2,999/yr
Reward rate
4x
Min. income
₹6,00,000
Forex markup
3%
Lounge access
Yes
Eligibility
₹6 lakh/yr · CIBIL 750+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Frequent traveller
- Premium spender
- Food & dining spender
What we like
- 8x on dining, 6x on travel
- Premium lifestyle benefits
- Launched 20 Aug 2026
Watch out for
- Rs 2,999 annual fee
- Rs 3 lakh spend waiver threshold
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,999 | Not waivable |
| Annual fee | ₹2,999 | Waived on Rs 3 lakh annual spend |
| Forex markup | 3% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| DINING | 8.00 | — | 0.30 |
| TRAVEL | 6.00 | — | 0.30 |
| All spends | 4.00 | — | 0.30 |
Benefits
-
Lounge access Highlight
Complimentary domestic and international airport lounge visits
-
Premium lifestyle benefits Highlight
Premium lifestyle privileges including dining and entertainment
-
Travel insurance
Complimentary travel insurance cover
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 750+
- Score note
- Good credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
YES BANK Essence Credit Card is a Visa premium lifestyle card launched 20 Aug 2026 with 8x YES Rewardz on dining, 6x on travel, plus premium lifestyle privileges.
Fees and rewards
- Annual fee: Rs 2,999 (waived on Rs 3 lakh annual spend)
- Joining fee: Rs 2,999
- Rewards: 8x on dining; 6x on travel; 4x on other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for YES BANK Essence Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the YES BANK Essence Credit Card worth it?
What is the annual fee for the YES BANK Essence Credit Card?
How does the YES BANK Essence Credit Card reward rate work?
What are the eligibility requirements for the YES BANK Essence Credit Card?
Does the YES BANK Essence Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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