Axis Bank Shoppers Stop Credit Card vs Yes Bank Marquee Credit Card: Which is Better in 2026?
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In short: Axis Shoppers Stop has the lower annual fee (₹500 vs ₹4,999); Yes Marquee has the lower forex markup (1% vs 3.5%).
| Key facts | Axis Shoppers Stop | Yes Marquee |
|---|---|---|
| Annual fee | ₹500 | ₹4,999 |
| Joining fee | ₹500 | ₹9,999 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹10 lakh annual spend |
| Lounge access | Not listed | Unlimited international lounge access |
| Forex markup | 3.5% | 1% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Shoppers Stop Credit Card and the Yes Bank Marquee Credit Card cater to different customer needs, with the former focused on shopping rewards primarily at Shoppers Stop and the latter offering premium travel and lifestyle benefits. Axis Bank's card has a low joining and renewal fee with fee waivers on moderate spending, while Yes Bank's card commands a high fee but includes extensive lounge access and golf privileges. Both cards earn reward points but differ significantly in reward rates and redemption options.
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 Shoppers Stop Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | Axis Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.9999 |
| Annual / renewal fee | Annual Fee - Rs.500 | Renewal Fee of Rs.4999 |
| Annual fee waiver | Spend Rs.1 Lakhs For Annual Fee Waiver | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 First Citizen points on Every 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 | Enjoy First Citizen Reward Points Worth Rs.300 | 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 | 3.50% - Foreign Currency Transactions | 1% - Foreign Currency Transactions |
Which is better for rewards?
The Yes Bank Marquee Credit Card offers a higher rate of reward points, especially for online and offline shopping, with up to 36 points per Rs.200 spent compared to Axis Bank Shoppers Stop Credit Card's maximum of 20 points per Rs.200 at Shoppers Stop exclusive brands. Additionally, Yes Bank provides substantial welcome and milestone bonus points, enhancing its rewards appeal. Axis Bank's card focuses rewards on Shoppers Stop purchases with moderate points on other spends, making it more niche. Overall, Yes Bank's card is better suited for users seeking versatile and higher rewards, while Axis Bank's card benefits frequent Shoppers Stop shoppers.
Which is better for travel?
Yes Bank Marquee Credit Card clearly leads in travel benefits with unlimited complimentary international lounge access and six domestic lounge visits annually, which the Axis Bank Shoppers Stop Credit Card lacks entirely. Moreover, Yes Bank offers golf coaching and rounds, adding to its premium lifestyle offerings. Axis Bank's card does not provide any lounge access or travel-related perks, making it less attractive for frequent travelers. Therefore, for travel and lifestyle privileges, Yes Bank's card is the superior choice.
Which has lower effective cost?
Axis Bank Shoppers Stop Credit Card has a significantly lower joining and renewal fee of Rs.500 each, with a straightforward waiver on spending Rs.1 lakh annually. In contrast, Yes Bank Marquee Credit Card charges a steep Rs.9999 joining fee and Rs.4999 renewal fee, with a high waiver threshold of Rs.10 lakh spend. Axis Bank's card is more accessible for beginners or those unwilling to commit to high annual spends, while Yes Bank's card suits premium users who can justify the fees through its benefits. The forex markup is also lower on Yes Bank's card at 1% compared to 3.5% on Axis Bank's card, which may offset some cost for international spenders.
Reward Focus and Redemption
Axis Bank Shoppers Stop Credit Card rewards are heavily skewed towards Shoppers Stop purchases, offering higher points on exclusive brands and online shopping at this retailer. Yes Bank Marquee Credit Card provides a more balanced reward structure with strong points on both offline and online shopping across categories, plus significant welcome and milestone bonuses.
Travel and Lifestyle Benefits
Yes Bank Marquee Credit Card includes premium travel benefits such as unlimited international lounge access and multiple domestic lounge visits, alongside golf coaching and discounted green fees. Axis Bank Shoppers Stop Credit Card does not offer any lounge or travel-related privileges, focusing solely on retail rewards.
Fee Waiver Complexity
Axis Bank's card offers a simple annual fee waiver on spending Rs.1 lakh, making it easier for moderate spenders to avoid fees. Yes Bank requires a much higher spend of Rs.10 lakh annually to waive the renewal fee, which is more suitable for premium users with substantial annual expenses.
Who should pick Axis Bank Shoppers Stop Credit Card?
Consider Axis Bank Shoppers Stop Credit Card if you are a frequent shopper at Shoppers Stop looking for focused rewards on apparel and related categories with a low-cost entry. This card is suitable if you prefer a simple fee structure with achievable fee waivers and do not require travel or lounge benefits. It is also a practical choice for beginners or those who want to maximize value from retail spends at Shoppers Stop.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you seek a premium credit card with extensive travel privileges including unlimited international lounge access and domestic lounges, along with high reward points on all spends. This card is ideal for high spenders who can utilize the golf benefits and justify the high joining and renewal fees through its luxury lifestyle offerings and lower forex markup. It suits users looking for a comprehensive rewards and travel experience.
Frequently Asked Questions
Axis Bank Shoppers Stop Credit Card charges Rs.500 for both joining and renewal, with a fee waiver on spending Rs.1 lakh annually. Yes Bank Marquee Credit Card has a high joining fee of Rs.9999 and a renewal fee of Rs.4999, waived only if you spend Rs.10 lakh annually.
Yes Bank Marquee Credit Card offers higher reward points on shopping, with up to 36 points per Rs.200 for online shopping, compared to Axis Bank Shoppers Stop Credit Card which offers up to 20 points per Rs.200 on exclusive Shoppers Stop brands.
Yes Bank Marquee Credit Card provides 6 complimentary domestic lounge visits and unlimited international lounge access. Axis Bank Shoppers Stop Credit Card does not offer any lounge access.
Axis Bank Shoppers Stop Credit Card charges a 3.5% forex markup on foreign currency transactions, whereas Yes Bank Marquee Credit Card has a lower forex markup of 1%.
Yes Bank Marquee Credit Card offers 20,000 bonus YES Rewardz points on payment of renewal fees. Axis Bank Shoppers Stop Credit Card does not have milestone benefits.
Axis Bank Shoppers Stop Credit Card is better suited for beginners due to its low fees and simpler fee waiver criteria, while Yes Bank Marquee Credit Card targets premium users with higher fees and benefits.