Air India SBI Signature Credit Card vs YES BANK Marquee Credit Card
SBI Card · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹4,999
Max Reward7.5%
Yes BankScoreExcellent
Annual Fee₹4,999
Max Reward4.5%
YES BANK Marquee Credit Card leads overall with a CardCheck Score of 81/100 (+5 pts over Air India SBI Signature Credit Card).
4-Pillar Head-to-Head Breakdown
Air vs YESReward Power
35%Air35/35
YES31/35
Air Wins
Fee Value & ROI
25%Air18/25
YES18/25
Tie (18/25)
Lounge & Travel
20%Air15/20
YES18/20
YES Wins
Forex & Access
20%Air8/20
YES14/20
YES Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76
- 81Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 35/35
- 31/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 15/20
- 18/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- SBI Card
- Yes Bank
- Network
- Visa
- Mastercard
- Card type
- Co-branded
- Premium
- Best for
- Air India loyalists — earn Flying Returns miles on everyday spend
- YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex
03—Fees
- Joining fee
- ₹4,999Best
- ₹9,999
- Annual fee
- ₹4,999
- ₹4,999
- Fee waiver
- —
- ₹10,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 45%
- 35.8%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,300Best
- ₹1,350
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 7.5%Best
- 4.5%
- Points / ₹100
- 4
- —
- Point value
- ₹1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 6Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 0
- 12Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹75,000
- ₹3,00,000
- Invite only
Rows won
03of 10
07of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76 | 81Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 35/35 | 31/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 15/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | Yes Bank |
| Network | Visa | Mastercard |
| Card type | Co-branded | Premium |
| Best for | Air India loyalists — earn Flying Returns miles on everyday spend | YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹4,999Best | ₹9,999 |
| Annual fee | ₹4,999 | ₹4,999 |
| Fee waiver | — | ₹10,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 35.8%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,300Best | ₹1,350 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 7.5%Best | 4.5% |
| Points / ₹100 | 4 | — |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 6Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 0 | 12Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹75,000 | ₹3,00,000 |
| Invite only | ||
| Rows won | 03of 10 | 07of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Air India SBI Signature Credit Card | YES BANK Marquee Credit Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 81/100Excellent |
| Annual Fee | ₹4,999 | ₹4,999 |
| Fee Waiver Spend | No waiver | ₹10L/yr |
| Max Reward Potential | 7.5% | 4.5% |
| Domestic Lounge Access | 2 / quarter | 6 / quarter |
| International Lounge | None | 12 / year |
| Forex Markup Fee | 3.5% | 1% |
Choose Air India SBI Signature Credit Card if:
Your spending centers around air india loyalists — earn flying returns miles on everyday spend and you want direct partner rewards with SBI Card.
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.
Popular Comparisons for Air India SBI Signature Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for YES BANK Marquee Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Air India SBI Signature Credit Card vs YES BANK Marquee Credit Card
- Which is better: Air India SBI Signature Credit Card or YES BANK Marquee Credit Card?
- YES BANK Marquee Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 76/100 (Very Good) for Air India SBI Signature Credit Card (a lead of +5 points). YES BANK Marquee Credit Card gains its scoring lead primarily through forex & terms (14 vs 8) and lounge & travel privileges (18 vs 15) while tying on fee value & ROI.
- How do annual fees and fee waiver spend rules compare?
- Air India SBI Signature Credit Card charges an annual fee of ₹4,999 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 ₹10 Lakh.
- How do the reward rates and cashback compare between Air India SBI Signature Credit Card and YES BANK Marquee Credit Card?
- Air India SBI Signature Credit Card offers a base reward rate of 1% and up to 7.5% 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: Air India SBI Signature Credit Card or YES BANK Marquee Credit Card?
- Air India SBI Signature Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). On the other hand, YES BANK Marquee Credit Card provides 6 complimentary domestic lounge visits per quarter (24/year) and 12 international lounge visits/year.
- Which card is better for international foreign currency spends?
- Air India SBI Signature Credit Card levies a foreign currency markup fee of 3.5%, while YES BANK Marquee Credit Card charges 1%. 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).