American Express Membership Rewards Credit Card vs YES BANK Marquee Credit Card
American Express · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreGood
Annual Fee₹1,500
Max Reward2%
Yes BankScoreVery Good
Annual Fee₹4,999
Max Reward4.5%
YES BANK Marquee Credit Card leads overall with a CardCheck Score of 75/100 (+15 pts over American Express Membership Rewards Credit Card).
4-Pillar Head-to-Head Breakdown
American vs YESReward Power
35%American24/35
YES31/35
YES Wins
Fee Value & ROI
25%American20/25
YES14/25
American Wins
Lounge & Travel
20%American4/20
YES18/20
YES Wins
Forex & Access
20%American12/20
YES12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 60
- 75Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 24/35
- 31/35
- Fee Value & ROI (25%)
- 20/25
- 14/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- American Express
- Yes Bank
- Network
- Amex
- Mastercard
- Card type
- Regular
- Premium
- Best for
- Consistent earner — MR Points on every ₹50 + bonus 1,000 MR for 4 monthly spends
- YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex
03—Fees
- Joining fee
- ₹1,500Best
- ₹9,999
- Annual fee
- ₹1,500Best
- ₹4,999
- Fee waiver
- ₹90,000Best
- ₹6,00,000
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,350
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 2%
- 4.5%Best
- Points / ₹100
- 2
- —
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.75%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹25,000
- ₹1,50,000
- Min CIBIL
- 720Best
- 760
- Invite only
Rows won
04of 08
04of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60 | 75Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 24/35 | 31/35 |
| Fee Value & ROI (25%) | 20/25 | 14/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | Yes Bank |
| Network | Amex | Mastercard |
| Card type | Regular | Premium |
| Best for | Consistent earner — MR Points on every ₹50 + bonus 1,000 MR for 4 monthly spends | YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,500Best | ₹9,999 |
| Annual fee | ₹1,500Best | ₹4,999 |
| Fee waiver | ₹90,000Best | ₹6,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,350 |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 2% | 4.5%Best |
| Points / ₹100 | 2 | — |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.75%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹25,000 | ₹1,50,000 |
| Min CIBIL | 720Best | 760 |
| Invite only | ||
| Rows won | 04of 08 | 04of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express Membership Rewards Credit Card | YES BANK Marquee Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 75/100Very Good |
| Annual Fee | ₹1,500 | ₹4,999 |
| Fee Waiver Spend | ₹90,000/yr | ₹6L/yr |
| Max Reward Potential | 2% | 4.5% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 1.75% |
Choose American Express Membership Rewards Credit Card if:
Your spending centers around consistent earner — mr points on every ₹50 + bonus 1,000 mr for 4 monthly spends and you want direct partner rewards with American Express.
Choose YES BANK Marquee Credit Card if:
Your spending aligns with yes bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: American Express Membership Rewards Credit Card vs YES BANK Marquee Credit Card
- Which is better: American Express Membership Rewards Credit Card or YES BANK Marquee Credit Card?
- YES BANK Marquee Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 60/100 (Good) for American Express Membership Rewards Credit Card (a lead of +15 points). YES BANK Marquee Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- American Express Membership Rewards Credit Card charges an annual fee of ₹1,500 with an annual spend threshold of ₹90,000 for renewal fee waiver. In comparison, YES BANK Marquee Credit Card charges an annual fee of ₹4,999 with an annual spend threshold of ₹6 Lakh.
- How do the reward rates and cashback compare between American Express Membership Rewards Credit Card and YES BANK Marquee Credit Card?
- American Express Membership Rewards Credit Card offers a base reward rate of 1% and up to 2% on accelerated partner categories. Meanwhile, YES BANK Marquee Credit Card offers a base rate of 1.5% and up to 4.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express Membership Rewards Credit Card or YES BANK Marquee Credit Card?
- American Express Membership Rewards Credit Card provides no complimentary domestic lounge access. On the other hand, YES BANK Marquee Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- American Express Membership Rewards Credit Card levies a foreign currency markup fee of 3.5%, while YES BANK Marquee Credit Card charges 1.75%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).