Not available via the quiz
Restricted to women applicants
YES Essence Credit Card
YES BANK
₹799
Joining fee
₹799
Annual fee
Rs 799 joining fee waived on Rs 20,000 spend within 30 days of card setup; Rs 799 annual fee waived on Rs 1 lakh annual spending.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Sources disagree: Card is marketed toward women (lifestyle/shopping/entertainment/wellness benefits, women-focused birthday health check-up) but not confirmed to be formally gender-restricted in eligibility criteria - a marketed-to vs. restricted-to distinction.
Lounge access
4 domestic / 0 international visits per year
Reward details
8 points per Rs 200 on other online (1.0% effective)
- 12 points per Rs 200 (1.5% effective) on Online: fashion, beauty, travel, dining, grocery
- 4 points per Rs 200 (0.5% effective) on Offline
Welcome bonus: Rs 1,000 welcome vouchers
- Rs 50,000 spend within 90 days: 5,000 bonus points
- Rs 1 lakh annual spending: 10,000 bonus points
Redemption
Vouchers and other unspecified options
Excluded from rewards: rent payments, wallet loads, fuel spends, government transactions, marketing & advertising payments, insurance premiums, educational payments, cash withdrawals, post-purchase EMI conversions, instant EMI transactions, card fees
- Movie BOGO once monthly via District (max Rs 250 discount on second ticket)
- Birthday month Rs 1,000 Myntra voucher plus a complimentary women-focused health check-up
- Golf: 4 complimentary green fee waivers annually plus 12 complimentary lessons yearly
- Purchase protection up to Rs 50,000
- 1% fuel surcharge waiver on Rs 400-5,000 transactions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Affordable fee with a good range of benefits; compares favorably to other women-focused cards like BOBCARD Tiara — CardInsider
Complaints
- Lacks international lounge access, which may disappoint frequent international travelers — CardInsider
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, rewards, lounge, sentiment