YES Essence Credit Card
Designed specifically for women professionals and homemakers, the YES Essence Credit Card accelerates points on apparel, beauty, groceries, and dining. It bundles preventive healthcare consultations and pathology checkup discounts with BookMyShow movie tickets and domestic airport lounge access.
Why We Recommend The YES Essence Credit Card
A practical, women-centric lifestyle card providing accelerated points on fashion and beauty alongside airport lounge perks.
Women professionals seeking lifestyle savings on apparel, cosmetics, food delivery, and preventive healthcare.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES Essence Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES Essence Credit Card
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES Essence Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES Essence Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Accelerated 2% value-back on beauty, cosmetics, fashion apparel, and dining runs.
Complimentary women’s preventive healthcare packages and pathology discounts.
Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹200 discount once a month).
Pros & Cons of the YES Essence Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Tailored reward multipliers covering major fashion, grocery, and cosmetic retailers.
- Includes domestic airport lounge access and BookMyShow movie discounts.
- Specialized wellness benefits and medical checkup allowances.
Things to Consider (Cons)
- Quarterly spend condition (₹50k) required for airport lounge access.
- Annual fee of ₹799 unless spend threshold is reached.
- Base retail rewards on generic categories are modest.
Who Can Apply for the YES Essence Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES Essence Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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YES Bank BYOC introduces modular customization to credit cards. Spenders can configure their own product by choosing between reward points and direct monthly statement cashback, selecting preferred accelerated merchant packs (e.g., 10% on Swiggy or Uber), and picking custom card body designs.
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A well-rounded mid-tier product designed for corporate executives, the YES ELITE+ Credit Card offers 12 domestic and 2 international Priority Pass airport lounge visits annually. It pairs up to ₹500 in monthly BookMyShow ticket discounts with a subsidized 2.50% foreign exchange markup.
Ready to Apply for the YES Essence Credit Card?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.