YES Bank Essence Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹799 to join.

Rs. 799, reversed on spends of Rs. 20,000 within one month of card set up

Annual fee

₹799 a year.

Rs. 799, reversed on spends of Rs. 1,00,000 within 12 months prior to the renewal

What it gives back

4 RPs for every ₹200 on offline spends.

Read from 6 YES Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

3% forex markup: of the 291 other open cards whose forex markup we have read, 72 state a lower one, 19 state the same and 200 state a higher one.

Fees

Renewal fee
₹799 a year.Rs. 799, reversed on spends of Rs. 1,00,000 within 12 months prior to the renewal
Joining fee
₹799 to join.Rs. 799, reversed on spends of Rs. 20,000 within one month of card set up

Rewards

Charges

Forex markup
3% on foreign currency transactions.3.00% effective 15 June 2026
Cash advance fee
2.5% or ₹650, whichever is higher.
Interest on unpaid balance
3.99% per month (47.88% annually) on revolving credit, cash advances and overdue amount.
Interest-free period
Up to 50 days
Late payment fee
10% of statement balance or ₹1350 whichever is lower.

Eligibility

How we know

6 documents from YES Bank, checked 19 Oct 2026.

On these lists

₹799 a year

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