YES BANK Essence Credit Card Credit Card
YES Bank · Rewards
Lifestyle rewards, birthday benefits, lounge access, movie and coffee BOGO offers.
- Joining fee
- ₹799
- Annual fee
- ₹799
- Waiver spend
- ₹1,00,000
Fee waiver
Spend ₹1,00,000 in a card year and the next annual fee is waived.
That is about ₹8,333 a month.
Work out what you still need to spend
Recent changes
- 15 June 2026Worse for you
Cash advance fee becomes 2.5% or Rs 650, new fees apply on auto-debit failure and branch cash or cheque payments, card reissue costs Rs 199, and forex markup rises to 3.5% on ACE, Select, Klick and others, 3% on Elite+ and 2% on YES First Preferred.
Work it out for this card
Full reward rules for this card are not in the app yet. It shows fees and the waiver for now.
Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.
Taken from the bank's page. Rules data version 2026.10.04.
More from YES
Spot a mistake on this page? Tell us