YES BANK Marquee Credit Card

YES Marquee Credit Card’s rewards program primarily focuses on online shopping, offering an impressive reward rate of up to 4.5%, surpassing premium cards like HDFC DC Black (3.33%) and ICICI Emeralde Private Metal (3%). The card also stands out by offering rewards on categories like wallet loading, rental payments, utility bills, insurance, etc., which are generally excluded by most credit cards. However, it falls short in terms of redemption options. For point-to-mile transfer, you only have two options- Club Vistara and Intermiles. Where most premium cards extend redemption benefits with several airlines and hotels, limiting to just two options is rather restrictive for a premium credit card.

With unlimited international lounge visits and 24 domestic lounge visits for primary and add-on members, Marquee Credit Card stands neck and neck with popular premium cards. It holds great value for international travellers as it offers ‘convenience’ with free lounge visits and ‘savings’ with a low foreign exchange mark-up fee of 1%. Beyond its primary categories, Marquee also offers up to 36 free movie tickets worth Rs. 28,800, 12 complimentary golf lessons or games, bonus rewards worth Rs. 5,000 as renewal benefit and fuel benefits worth Rs. 12,000. The combined value of these benefits not only surpasses the card’s annual fee by a wide margin but also adds to its overall value as an all-rounder card.