rewards
YES Essence Credit Card
Women-focused lifestyle card with lounge access, golf privileges, and birthday benefits — currently lifetime-free promotionally.
Annual Fee
₹799+GST (waived ₹20K/30days joining; ₹1L/yr renewal; often LTF via promo)
Rewards
12 RP/₹200 select online (fashion/beauty/travel/dining/grocery); 8 RP/₹200 other online; 4 RP/₹200 offline
Lounge Access
4/yr domestic (1/quarter, ₹25K spend)
Fuel Waiver
1% (₹400-5K, ₹300/cycle cap)
Milestone
5,000 pts (₹50K/90 days); 10,000 pts (₹1L/yr)
Best For
Women shoppers wanting lifestyle + wellness perks
Welcome Offer
Vouchers worth ₹1,000
Type
Rewards
Description
YES Bank's newest women-centric lifestyle card, earning 12 reward points per ₹200 on select online categories (fashion, beauty, travel, dining, grocery), 8 points on other online spends, and 4 points offline. Joining and annual fee ₹799+GST each (frequently offered lifetime-free through select channels), waived on ₹20,000 spend within 30 days (joining) and ₹1L annual spend (renewal). Includes 1 domestic lounge visit per quarter, 4 golf green-fee waivers plus 12 lessons a year, complimentary Amazon Prime and 3-month Sony LIV, BOGO movies via District, BOGO coffee at malls, birthday benefits (₹1,000 Myntra voucher + women's health checkup), and ₹50,000 purchase protection. Forex markup 2.75-3%.
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