vs
In short: Amex Gold has the lower annual fee (₹4,500 vs ₹4,999); Yes Marquee has the lower forex markup (1% vs 3.5%).
| Key facts | Amex Gold | Yes Marquee |
|---|---|---|
| Annual fee | ₹4,500 | ₹4,999 |
| Joining fee | ₹1,000 | ₹9,999 |
| Annual fee waived | Not listed | On ₹10 lakh annual spend |
| Top reward rate | 5X reward points on Flipkart, Myntra, Makemytrip and 17 more | 36 Reward Points on Every ₹200 For Online Shopping |
| Base rewards | 1 Membership Rewards Point For Every ₹50 | 10 Reward Points on Every ₹200 |
| Lounge access | Not listed | Unlimited international lounge access |
| Forex markup | 3.5% | 1% |
From issuer benefit data, checked 26 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
American Express Gold Credit Card shows a stronger headline earn rate. Yes Bank Marquee Credit Card lists more lounge access benefits. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | American Express Gold Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | American Express | Yes Bank |
| Network | American Express | MasterCard |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.9999 |
| Annual / renewal fee | Renewal Fee of Rs.4500 | Renewal Fee of Rs.4999 |
| Annual fee waiver | — | Spend Rs.1000000 For Renewal Fee Waiver |
| Top reward rate | 5X reward points on Flipkart, Myntra, Makemytrip and 17 more | 36 Reward Points on Every Rs.200 For Online Shopping |
| Base rate (other spends) | Earn 1 Membership Rewards Point For Every Rs.50 | 10 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 6 Complimentary Lounge Access in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Gift of 4000 Bonus Membership Rewards Points | Earn 40000 YES Rewardz Points On Payment of Joining Fees |
| Milestone benefit | Earn 1000 Bonus Membership Rewards Points | Earn 20000 Bonus YES Rewardz Points On Payment of Renewal Fees |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 1% - Foreign Currency Transactions |
American Express Gold Credit Card shows a higher headline earn rate (5X reward points on Flipkart, Myntra, Makemytrip and 17 more vs 36 Reward Points on Every Rs.200 For Online Shopping). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Yes Bank Marquee Credit Card lists more lounge access benefits (domestic: 6 Complimentary Lounge Access in India; international: Enjoy Unlimited Complimentary International Lounge Visits). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
American Express Gold Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Consider American Express Gold Credit Card if you already bank with American Express, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Consider Yes Bank Marquee Credit Card if you already bank with Yes Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Lounge access listed for each card: Yes Bank Marquee Credit Card — domestic: 6 Complimentary Lounge Access in India; international: Enjoy Unlimited Complimentary International Lounge Visits. American Express Gold Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the American Express and Yes Bank websites before you travel.
The listed renewal fees are about ₹4,500 vs ₹4,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the American Express and Yes Bank websites for the final number.
American Express Gold Credit Card shows a stronger headline earn rate (5X reward points on Flipkart, Myntra, Makemytrip and 17 more vs 36 Reward Points on Every Rs.200 For Online Shopping). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
American Express Gold Credit Card: Waiver terms not listed in our data — check American Express. Yes Bank Marquee Credit Card: Spend Rs.1000000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
American Express Gold Credit Card: 3.50% - Foreign Currency Transactions Yes Bank Marquee Credit Card: 1% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the American Express and Yes Bank websites.
American Express Gold Credit Card: Welcome Gift of 4000 Bonus Membership Rewards Points Yes Bank Marquee Credit Card: Earn 40000 YES Rewardz Points On Payment of Joining Fees Welcome campaigns are time-bound — verify eligibility and fulfilment on the American Express and Yes Bank websites.