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
SBI CardScoreVery Good
Annual Fee₹4,999
Max Reward7.5%
Yes BankScoreVery Good
Annual Fee₹4,999
Max Reward4.5%
Air India SBI Signature Credit Card leads overall with a CardCheck Score of 76/100 (+1 pts over YES BANK Marquee 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
YES14/25
Air Wins
Lounge & Travel
20%Air15/20
YES18/20
YES Wins
Forex & Access
20%Air8/20
YES12/20
YES Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76Best
- 75
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 31/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 15/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
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
- ₹5,00,000Best
- ₹6,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300Best
- ₹1,350
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 7.5%Best
- 4.5%
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- 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
- 21
- 21
- Min income / month
- ₹75,000
- ₹1,50,000
- Min CIBIL
- 750Best
- 760
- Invite only
Rows won
06of 08
02of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76Best | 75 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 31/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 15/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
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 | ₹5,00,000Best | ₹6,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300Best | ₹1,350 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 7.5%Best | 4.5% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| 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 | 21 | 21 |
| Min income / month | ₹75,000 | ₹1,50,000 |
| Min CIBIL | 750Best | 760 |
| Invite only | ||
| Rows won | 06of 08 | 02of 08 |
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 | 75/100Very Good |
| Annual Fee | ₹4,999 | ₹4,999 |
| Fee Waiver Spend | ₹5L/yr | ₹6L/yr |
| Max Reward Potential | 7.5% | 4.5% |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | None | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 1.75% |
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.
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?
- Air India SBI Signature Credit Card holds a higher overall rating with a CardCheck Score of 76/100 (Very Good) compared to 75/100 (Very Good) for YES BANK Marquee Credit Card (a lead of +1 points). Air India SBI Signature Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Air India SBI Signature Credit Card charges an annual fee of ₹4,999 with an annual spend threshold of ₹5 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 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 domestic lounge visit(s) per quarter. 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?
- Air India SBI Signature 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).