ICICI Bank Sapphiro Credit Card vs YES BANK Marquee Credit Card
ICICI Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ICICI BankScoreVery Good
Annual Fee₹3,500
Max Reward4%
Yes BankScoreVery Good
Annual Fee₹4,999
Max Reward4.5%
Even Match: Both cards tie with an identical CardCheck Score of 75/100.
4-Pillar Head-to-Head Breakdown
ICICI vs YESReward Power
35%ICICI31/35
YES31/35
Tie (31/35)
Fee Value & ROI
25%ICICI18/25
YES14/25
ICICI Wins
Lounge & Travel
20%ICICI18/20
YES18/20
Tie (18/20)
Forex & Access
20%ICICI8/20
YES12/20
YES Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 75
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 31/35
- 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
- ICICI Bank
- Yes Bank
- Network
- Visa
- Mastercard
- Card type
- Premium
- Premium
- Best for
- Premium lifestyle — lounge access, golf, dining and travel rewards
- YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex
03—Fees
- Joining fee
- ₹6,500Best
- ₹9,999
- Annual fee
- ₹3,500Best
- ₹4,999
- Fee waiver
- ₹6,00,000
- ₹6,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200Best
- ₹1,350
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 1.5%Best
- Max rate
- 4%
- 4.5%Best
- Points / ₹100
- 4
- —
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- —
- 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
- ₹75,000
- ₹1,50,000
- Min CIBIL
- 750Best
- 760
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 75 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 31/35 | 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 | ICICI Bank | Yes Bank |
| Network | Visa | Mastercard |
| Card type | Premium | Premium |
| Best for | Premium lifestyle — lounge access, golf, dining and travel rewards | YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹6,500Best | ₹9,999 |
| Annual fee | ₹3,500Best | ₹4,999 |
| Fee waiver | ₹6,00,000 | ₹6,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,200Best | ₹1,350 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 1.5%Best |
| Max rate | 4% | 4.5%Best |
| Points / ₹100 | 4 | — |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | — |
| 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 | ₹75,000 | ₹1,50,000 |
| Min CIBIL | 750Best | 760 |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ICICI Bank Sapphiro Credit Card | YES BANK Marquee Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 75/100Very Good |
| Annual Fee | ₹3,500 | ₹4,999 |
| Fee Waiver Spend | ₹6L/yr | ₹6L/yr |
| Max Reward Potential | 4% | 4.5% |
| Domestic Lounge Access | 4 / quarter | Check terms |
| International Lounge | 4 / year | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 1.75% |
Choose ICICI Bank Sapphiro Credit Card if:
Your spending centers around premium lifestyle — lounge access, golf, dining and travel rewards and you want direct partner rewards with ICICI 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: ICICI Bank Sapphiro Credit Card vs YES BANK Marquee Credit Card
- Which is better: ICICI Bank Sapphiro Credit Card or YES BANK Marquee Credit Card?
- Both ICICI Bank Sapphiro Credit Card and YES BANK Marquee Credit Card tie with an identical CardCheck Score of 75/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer ICICI Bank's or Yes Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- ICICI Bank Sapphiro Credit Card charges an annual fee of ₹3,500 with an annual spend threshold of ₹6 Lakh 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 ICICI Bank Sapphiro Credit Card and YES BANK Marquee Credit Card?
- ICICI Bank Sapphiro Credit Card offers a base reward rate of 0.5% and up to 4% 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: ICICI Bank Sapphiro Credit Card or YES BANK Marquee Credit Card?
- ICICI Bank Sapphiro Credit Card provides 4 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?
- ICICI Bank Sapphiro 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).