What are the annual fees for SBI ELITE Credit Card and Yes Bank Marquee Credit Card?

SBI ELITE Credit Card has ₹4,999 + GST. Yes Bank Marquee Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

SBI ELITE Credit Card earns about 0.5% on general spends; Yes Bank Marquee Credit Card earns about 1.8%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

SBI ELITE Credit Card: same rate online and offline. Yes Bank Marquee Credit Card: 3.6% online / 1.8% offline.

What is the forex markup on each card?

SBI ELITE Credit Card: 1.99%. Yes Bank Marquee Credit Card: 1% (plus 18% GST on the markup).

Do both cards include airport lounge access?

SBI ELITE Credit Card: yes — see the lounge row above for limits. Yes Bank Marquee Credit Card: yes — see the lounge row above for limits.

Card Comparison

SBI ELITE vs Yes Marquee

The key difference: 1.8% effective rate vs 0.5%. SBI ELITE vs Yes Marqueecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

SBI ELITE

SBI Card

Fee₹4,999+GST

Eff. rate0.5%

Cap₹10,000

Fee

₹4,999+GST

Eff. rate

0.5%

Cap

₹10,000

Yes Bank Marquee

Yes Bank

Fee₹4,999+GST

Eff. rate1.8%

Cap₹1,250

Fee

₹4,999+GST

Eff. rate

1.8%

Cap

₹1,250

Quick take

How they compare

SBI ELITE and Yes Marqueesuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

SBI ELITE

Annual fee: ₹4,999 + GST
Everyday rate: 0.5%
Monthly cap: ₹10,000/mo

Notable strengths

Low forex markup (2.0%)

Yes Marquee

Annual fee: ₹4,999 + GST
Everyday rate: 1.8%
Monthly cap: ₹1,250/mo

Notable strengths

Strong online-shopping rewards (up to 3.6%)
Low forex markup (1%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

43 specs · 12 sections

SBI ELITE

Yes Bank Marquee

Feature

SBI ELITE

Yes Bank Marquee

Annual Fee

₹4,999

Joining Fee

₹4,999

₹9,999

Fee Waiver Spend

₹10,00,000

Forex Markup

1.99%

Reward Type

Reward Points

Base Rate

0.5%

1.8%

Online Rate

0.5%

3.6%

Offline Rate

0.5%

1.8%

Effective Base Rate

0.5%

1.8%

Point Value

₹0.25

₹0.2

Redemption Quality

MEDIUM

LOW

Best Redemption

₹0.25

₹0.2

Worst Redemption

₹0.15

₹0.1

Grocery / Supermarkets

2.5%

3.6% online / 1.8% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

2.5%

3.6% online / 1.8% offline

Flights, Hotels, OTAs, Tour Operators

0.5%

3.6% online / 1.8% offline

Other Retail / Catch-all

0.5%

3.6% online / 1.8% offline

Monthly Cap

₹10,000

₹1,250

Est. Annual Cap

₹1,20,000

₹15,000

Total Excluded

4 categories

5 categories

Government / Tax Payments

Earns rewards

Excluded

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹8,470

₹4,950

Forex Markup

1.99%

Description

E-gift vouchers worth â‚¹5,000 from Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop

40,000 YES Rewardz Points as joining benefit

Estimated Value

₹5,000

₹6,400

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Travel, Dining, Grocery

Movies, Travel, Shopping

Min Income

₹60,000/month

Not specified

Income Proof

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa

Card Tier

Premium

Platinum

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for SBI ELITE Credit Card and Yes Bank Marquee Credit Card?: SBI ELITE Credit Card has ₹4,999 + GST. Yes Bank Marquee Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: SBI ELITE Credit Card earns about 0.5% on general spends; Yes Bank Marquee Credit Card earns about 1.8%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: SBI ELITE Credit Card: same rate online and offline. Yes Bank Marquee Credit Card: 3.6% online / 1.8% offline.
What is the forex markup on each card?: SBI ELITE Credit Card: 1.99%. Yes Bank Marquee Credit Card: 1% (plus 18% GST on the markup).
Do both cards include airport lounge access?: SBI ELITE Credit Card: yes — see the lounge row above for limits. Yes Bank Marquee Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: SBI Card - SBI ELITE · Yes Bank - Yes Marquee