Axis Bank Aura Visa Credit Card vs Yes Bank Marquee Credit Card: Which is Better in 2026?
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In short: Axis Aura has the lower annual fee (₹749 vs ₹4,999); Yes Marquee has the lower forex markup (1% vs 3.5%).
| Key facts | Axis Aura | Yes Marquee |
|---|---|---|
| Annual fee | ₹749 | ₹4,999 |
| Joining fee | ₹749 | ₹9,999 |
| Annual fee waived | Not listed | On ₹10 lakh annual spend |
| Lounge access | Not listed | Unlimited international lounge access |
| Forex markup | 3.5% | 1% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Aura Visa Credit Card and Yes Bank Marquee Credit Card cater to different user segments with distinct fee structures, reward programs, and travel benefits. Axis Bank Aura offers a low annual fee and moderate rewards focused on insurance spends, while Yes Bank Marquee commands a high fee but provides premium travel perks and higher reward points. Choosing between them depends on your spending patterns, especially if you prioritize travel lounge access or accelerated rewards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Aura Visa Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | Axis Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.749 | Joining Fee of Rs.9999 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.749 | Renewal Fee of Rs.4999 |
| Annual fee waiver | — | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 EDGE Reward Point on Rs.200 | 10 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 6 Complimentary Lounge Access in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Welcome Benefit - Get Decathlon Voucher of Rs.750 | Earn 40000 YES Rewardz Points On Payment of Joining Fees |
| Milestone benefit | — | Earn 20000 Bonus YES Rewardz Points On Payment of Renewal Fees |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 1% - Foreign Currency Transactions |
Which is better for rewards?
Yes Bank Marquee Credit Card clearly leads in rewards with 10 to 36 points per Rs. 200 spent, including enhanced points for offline and online shopping, plus a substantial welcome bonus of 40,000 YES Rewardz points. In contrast, Axis Bank Aura offers 2 EDGE points per Rs. 200 and 5X points on insurance spends capped at 10,000 points, which is more limited in scope. The Marquee card's points can also be redeemed for airline miles, adding flexibility for frequent travelers.
Which is better for travel?
Yes Bank Marquee Credit Card offers superior travel benefits including 6 complimentary domestic lounge accesses and unlimited international lounge visits, along with golf privileges such as free rounds and coaching. Axis Bank Aura does not provide any lounge access or dedicated travel perks. Therefore, for users who travel frequently and value premium airport experiences and golf benefits, Yes Bank Marquee is more suitable.
Which has lower effective cost?
Axis Bank Aura has a significantly lower joining and renewal fee of Rs. 749 compared to Yes Bank Marquee's Rs. 9,999 joining and Rs. 4,999 renewal fees. While Yes Bank offers a renewal fee waiver on spending Rs. 10 lakh annually, the high upfront and recurring costs make it less accessible for budget-conscious or occasional users. Axis Bank Aura’s lower fee structure and simple fuel surcharge waiver make it more beginner-friendly and cost-effective for moderate spenders.
Foreign Exchange Markup
Yes Bank Marquee Credit Card offers a lower forex markup fee of 1% on foreign currency transactions, making it more cost-effective for international spending compared to Axis Bank Aura's 3.5% markup. This can be a crucial factor for users who travel abroad frequently or shop on international websites.
Reward Redemption Flexibility
Yes Bank Marquee allows redemption of reward points into airline miles such as Intermiles and Vistara CV Points, which adds value for travel enthusiasts. Axis Bank Aura's EDGE points can be redeemed for shopping and travel vouchers but do not specify airline mile conversions, limiting travel-related redemption options.
Who should pick Axis Bank Aura Visa Credit Card?
Consider Axis Bank Aura Visa Credit Card if you prefer a credit card with a low joining and renewal fee, and if your spending includes insurance payments where you can earn accelerated rewards. It is also suitable for users who want a straightforward card without the need for premium travel benefits or high fees.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you are a frequent traveler who values extensive lounge access both domestically and internationally, along with premium golf benefits. It is also ideal if you have a high annual spend to justify the substantial fees and want to maximize reward points and their flexible redemption options.
Frequently Asked Questions
Axis Bank Aura Visa Credit Card has a joining and renewal fee of Rs. 749 each year. Yes Bank Marquee Credit Card has a joining fee of Rs. 9,999 and a renewal fee of Rs. 4,999, with a renewal fee waiver if you spend Rs. 10 lakh annually.
Yes Bank Marquee Credit Card offers higher reward points ranging from 10 to 36 points per Rs. 200 spent, while Axis Bank Aura offers 2 EDGE points per Rs. 200 and 5X points on insurance spends.
Yes Bank Marquee Credit Card provides 6 complimentary domestic lounge visits and unlimited international lounge access. Axis Bank Aura does not offer any lounge access benefits.
Axis Bank Aura Visa Credit Card charges a 3.5% forex markup fee, whereas Yes Bank Marquee Credit Card charges a lower 1% fee on foreign currency transactions.
Yes Bank Marquee offers 40,000 YES Rewardz points on joining and 20,000 bonus points on renewal fee payment. Axis Bank Aura provides a welcome Decathlon voucher worth Rs. 750 but no milestone rewards.
Both cards provide a 1% fuel surcharge waiver on fuel transactions.