Axis Bank Atlas Credit Card vs YES BANK Marquee Credit Card
Axis Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹5,000
Max Reward5%
Yes BankScoreVery Good
Annual Fee₹4,999
Max Reward4.5%
Axis Bank Atlas Credit Card leads overall with a CardCheck Score of 78/100 (+3 pts over YES BANK Marquee Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs YESReward Power
35%Axis34/35
YES31/35
Axis Wins
Fee Value & ROI
25%Axis18/25
YES14/25
Axis Wins
Lounge & Travel
20%Axis18/20
YES18/20
Tie (18/20)
Forex & Access
20%Axis8/20
YES12/20
YES Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 78Best
- 75
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 31/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- Yes Bank
- Network
- Visa
- Mastercard
- Card type
- Premium
- Premium
- Best for
- Travel rewards — EDGE Miles for flights and hotel stays
- YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex
03—Fees
- Joining fee
- ₹5,000Best
- ₹9,999
- Annual fee
- ₹5,000
- ₹4,999Best
- Fee waiver
- —
- ₹6,00,000
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹1,350
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 5%Best
- 4.5%
- Points / ₹100
- 2
- —
- Point value
- ₹1
- —
- Monthly cap
- ₹2,00,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Intl lounge / year
- 4
- —
- 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
- ₹1,00,000
- ₹1,50,000
- Min CIBIL
- 750Best
- 760
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78Best | 75 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 31/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Yes Bank |
| Network | Visa | Mastercard |
| Card type | Premium | Premium |
| Best for | Travel rewards — EDGE Miles for flights and hotel stays | YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹5,000Best | ₹9,999 |
| Annual fee | ₹5,000 | ₹4,999Best |
| Fee waiver | — | ₹6,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200Best | ₹1,350 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 5%Best | 4.5% |
| Points / ₹100 | 2 | — |
| Point value | ₹1 | — |
| Monthly cap | ₹2,00,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Intl lounge / year | 4 | — |
| 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 | ₹1,00,000 | ₹1,50,000 |
| Min CIBIL | 750Best | 760 |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Atlas Credit Card | YES BANK Marquee Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 75/100Very Good |
| Annual Fee | ₹5,000 | ₹4,999 |
| Fee Waiver Spend | No waiver | ₹6L/yr |
| Max Reward Potential | 5% | 4.5% |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | 4 / year | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 1.75% |
Choose Axis Bank Atlas Credit Card if:
Your spending centers around travel rewards — edge miles for flights and hotel stays and you want direct partner rewards with Axis Bank.
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: Axis Bank Atlas Credit Card vs YES BANK Marquee Credit Card
- Which is better: Axis Bank Atlas Credit Card or YES BANK Marquee Credit Card?
- Axis Bank Atlas Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 75/100 (Very Good) for YES BANK Marquee Credit Card (a lead of +3 points). Axis Bank Atlas Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Atlas Credit Card charges an annual fee of ₹5,000 with no official annual spend waiver milestone 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 Axis Bank Atlas Credit Card and YES BANK Marquee Credit Card?
- Axis Bank Atlas Credit Card offers a base reward rate of 1% and up to 5% 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: Axis Bank Atlas Credit Card or YES BANK Marquee Credit Card?
- Axis Bank Atlas Credit Card provides 2 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. 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?
- Axis Bank Atlas 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).