# YES Essence

YES Bank · Mastercard. ₹799 fee · 3% forex · 4 RP/₹200 (0.5%) offline and as fallback (cardholder-reported).

community-verified · checked 1 September 2026 · Source: https://cardinsider.com/yes-bank/yes-essence-credit-card/

## How it earns (3)

- 4 RP/₹200 (0.5%) offline and as fallback (cardholder-reported) · community-verified · checked 1 September 2026
- 12 RP/₹200 (1.5%) on online fashion, beauty, travel, dining, grocery (cardholder-reported) · online · community-verified · checked 1 September 2026
- 8 RP/₹200 (1%) on all other online spends (cardholder-reported) · online · community-verified · checked 1 September 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 4 RP/₹200 (0.5%) offline and as fallback (cardholder-reported)
- Vouchers for Bharat Petroleum (BPCL), Acko Insurance, BYJU'S, Google Pay (GPay) and 18 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- Likely no RP on wallet loads · brand vouchers earn the offline base
- Likely no RP: rent, wallet, fuel, govt, marketing/advertising, insurance, education, EMI

## Milestones (2)

- 5,000 RP (₹1,250) @ ₹50K in first 90 days · ₹1,250 at ₹50,000 spend per quarter · community-verified · checked 1 September 2026
- 10,000 RP (₹2,500) @ ₹1L annual spend (cardholder-reported) · ₹2,500 at ₹1,00,000 spend per year · community-verified · checked 1 September 2026

## Lounges (1)

- 1 domestic visit a quarter for the primary cardholder, after ₹25,000 spent the previous quarter. Guests pay. · Domestic · domestic · 4 per year · checked 1 September 2026

## Fees

- Annual fee: ₹799 + GST
  Waived at ₹1,00,000 spend per year
- Forex markup: 3%
- DCC markup: 1%
- Earns: YES Reward Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/yes-essence