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Yes Bank

YES Essence Women's Credit Card

A women's-focused card marketed as "Lifetime Free," whose fee terms are disputed between two of Yes Bank's own MITC versions and whose reward earn rate is undisclosed.

Joining fee
₹799
Annual fee
₹799
Status
Open
Verified
3 September 2026

Fees

Joining fee
₹799
Annual fee
₹799
Fee waiver
Waived above ₹1,00,000 annual spend
Forex markup
2.75%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

    Welcome benefits: ₹1,000 welcome vouchers; 5,000 bonus YES Rewardz on ₹50,000 spend within the first 90 days; 10,000 bonus YES Rewardz on ₹1,00,000 annual spend; buy-1-get-1 on District; ₹1,000 Myntra voucher plus a health checkup in the cardholder's birthday month.

    Travel

    Forex markup
    2.75%

    The shared MITC lists a ₹25,000 quarterly spend threshold for domestic complimentary lounge access, though this benefit is not mentioned anywhere on the card's own product page.

    Eligibility

    Not published by the issuer.

    No specific eligibility criteria published by the issuer.

    Why this card may suit you

    • The annual fee is waived once you spend 1,00,000 in a year.

    Source & Verification

    Verified from official issuer sources. Last verified 3 September 2026

    View issuer page ↗

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    An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

    Joining
    ₹500
    Annual
    ₹500
    Base reward
    0.8% everything else
    Forex
    3.5%
    Lounge
    1/qtr domestic lounge