YES Essence Women's Credit Card
Yes Bank · Open to apply
A women's-focused YES Bank rewards card at ₹799: 12 YES Rewardz per ₹200 online on fashion, beauty, travel, dining and grocery, 8 on other online and 4 offline, with ₹1,000 of welcome vouchers, bonus points at ₹50,000 and ₹1 lakh of spend and a Myntra voucher in the birthday month.
- Annual fee
- ₹799 + GST a year
- Joining fee
- ₹799 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 4 YES Rewardz per ₹200 on offline spends: 4 YES Rewardz per ₹200 (about 0.2% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹25,000 spend
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 12 YES Rewardz per ₹200 online on fashion, beauty, travel, dining and grocery: 12 YES Rewardz per ₹200 (about 0.6% at cash value)
- 8 YES Rewardz per ₹200 on other online shopping: 8 YES Rewardz per ₹200 (about 0.4% at cash value)
Earns nothing on
- No YES Rewardz on rent, wallet loads, fuel, government services, cash withdrawals and EMI
- No YES Rewardz on insurance, education and tolls
- No YES Rewardz on railways and ferry
Terms the calculator does not value
- Utilities: the MITC's Reward Points Capping on Utility Spends table lists YES Essence at 150 points per statement cycle, but the Essence page states no utility rate and no utility exclusion, so the MITC clause is not modelled as a rule; utility bills are valued at the plain online rate without the 150-point cap.
- The page's 12X travel MCC list includes 4112 (passenger railways) while its headline says railways earn no YES Rewardz. We follow the exclusion (IRCTC earns 0).
- YES Rewardz are valued at ₹0.25 only on flights and hotels (up to 70% of the invoice value) per YES Bank's redemption rules; statement credit and e-gift vouchers are worth ₹0.10 (₹0.10 for vouchers on this card), capped at 50% of available points. The calculator's cash-like mode uses the lower options.
- Beauty (MCC 5977) earns the 12X rate on the page but our category list has no beauty line; it is valued at the plain online rate.
- The page does not name the welcome vouchers' brands or the health checkup's terms.
- The page headline offers a "Lifetime Free* Credit Card - exclusive limited period offer" and the listing says "Lifetime Free Card (limited period offer)"; the fee and waiver lines say they do not apply to the lifetime-free card. The conditions and dates of the offer are not stated, so the standard ₹799 fee is entered.
- Paid feature, Rewards Subscription Plan (one year): Plan 1 at ₹2,500 gives 3 times the regular points on all categories; Plan 2 at ₹4,000 gives 5 times. Not an always-on rate, so not in the earn rules.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, YES Essence Women's Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, MARQUÉE Credit Card value chart (values YES Rewardz at up to ₹0.25) (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)
- YES BANK Credit Card Redemption Rules (Private, Marquee, Reserv and other cards) (Reward terms, the bank's own, read 6 Nov 2026)