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YES Essence Credit Card

  • Updated On: 22 May, 2026Published by: Kirti

The needs and preferences of women can often be different, and keeping that in mind, YES Bank has launched its women-focused credit card, the YES Essence Credit Card. The card is designed around lifestyle, shopping, entertainment, and wellness benefits that may appeal to women users.

The card comes with a joining fee of ₹799 + GST, which can be reversed on spends of ₹20,000 within the first month of card setup. The annual renewal fee is also ₹799 + GST and can be waived on meeting the annual spending criteria.

The YES Essence Credit Card also comes with several attractive benefits. Cardholders get welcome vouchers worth ₹1,000 along with bonus YES Rewardz on milestone spends. Users can earn 5,000 bonus YES Rewardz on spending ₹50,000 within the first 90 days and an additional 10,000 bonus YES Rewardz on annual spends of ₹1 lakh. The card also offers a Buy One Get One movie ticket offer on District, along with a ₹1,000 Myntra voucher and complimentary health check-up benefits during the birthday month.

YES Essence Credit Card

( 4.6 / 5 )
YES Essence Credit Card
  • Joining Fee₹799 + GST
  • Annual Fee₹799 + GST
  • Best Suited ForTravel, Shopping
  • Reward TypeReward Points

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

Movie & Dining

BOGO on Movie Tickets Once Each Month

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

Reward Redemption

Redeem Reward Points for Vouchers and More

Travel

Low Forex Markup Charge of 2.75%

Domestic Lounge Access

1 Complimentary Domestic Lounge Access Every Quarter

International Lounge Access

N/A

Golf

4 Complimentary Golf Green Fee Waivers Every Year. 12 Complimentary Golf Lessons Per Year

Insurance Benefits

Purchase Protection Up to ₹50,000

  • 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

    • 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

    • 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.

  • Reward Earnings

    • Earn 12 YES Rewardz Points per ₹200 spent online on fashion, beauty, travel, dining, and grocery categories. This gives an effective reward rate of 1.5%.
    • Earn 8 YES Rewardz Points per ₹200 on other online shopping transactions. This comes to an effective reward rate of 1%.
    • Earn 4 YES Rewardz Points per ₹200 on offline spends, giving an effective reward rate of 0.5%.
    • Reward Points are not applicable on rent payments, wallet loads, fuel spends, government transactions, marketing & advertising payments, insurance premiums, educational payments, cash withdrawals, post-purchase EMI conversions, instant EMI transactions, and card fees or charges.

    Birthday Reward

    Cardholders can enjoy special birthday rewards during their birthday month, including a ₹1,000 Myntra voucher and a complimentary women-centric health check-up, adding extra value and wellness benefits to the card experience.

    Travel Benefits

    The Essence Credit Card offers several travel benefits. It comes with a lower forex markup fee of 2.75%, which is below the industry average. Cardholders can also get 1 complimentary domestic airport lounge access every quarter by spending ₹25,000 or more in the previous quarter on the YES Essence Credit Card.

    Milestone Benefits

    Benefit Details
    Milestone Benefits Earn up to 5,000 YES Rewardz on spends of ₹50,000 within the first 90 days of card setup
    Annual Milestone Benefit Earn up to 10,000 YES Rewardz on annual spends of ₹1,00,000

    BOGO on Movie Tickets

    Enjoy a Buy One Get One offer on movie tickets booked via District once every calendar month. Cardholders can get a maximum discount of up to ₹250 on the second movie ticket. The offer is valid only on movie ticket bookings.

    YES Essence Credit Card Features

    Bottom Line

    Recently, there have been several women-focused credit cards launched in India, which is actually a good initiative as these cards offer features and benefits designed around the needs and preferences of women users. The BOBCARD Tiara Credit Card is one such card that has managed to stand out, but the YES Essence Credit Card is also a fairly decent offering.

    One of the biggest highlights of the YES Essence Credit Card is its affordability. The card does not come with a very high fee, while still offering a good range of benefits to cardholders, including airport lounge access, Buy One Get One movie offers, milestone rewards, annual fee waiver benefits, and more.

    FAQs:

    Yes, the card offers 1 complimentary domestic airport lounge access every quarter.

    The annual fee of ₹799 + GST can be waived on annual spends of ₹1 lakh or more.

    Yes, cardholders get a Buy One Get One offer on movie tickets booked via District once every calendar month.

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