vs
In short: IDFC First Classic has the lower annual fee (none vs ₹4,999); IDFC First Classic includes 4 railway lounge visits a quarter, Yes Marquee unlimited international lounge access; IDFC First Classic has the lower forex markup (0% vs 1%).
| Key facts | IDFC First Classic | Yes Marquee |
|---|---|---|
| Annual fee | None | ₹4,999 |
| Joining fee | None | ₹9,999 |
| Annual fee waived | Not listed | On ₹10 lakh annual spend |
| Top reward rate | 3X Reward Points Up to Spends ₹20000 | 36 Reward Points on Every ₹200 For Online Shopping |
| Base rewards | 3X Reward Points Up to Spends ₹20000 | 10 Reward Points on Every ₹200 |
| Lounge access | 4 railway lounge visits a quarter | Unlimited international lounge access |
| Forex markup | 0% | 1% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Idfc First Classic Credit Card offers zero joining and annual fees along with a zero forex markup and rewarding points on spends up to Rs.20,000. In contrast, the Yes Bank Marquee Credit Card comes with a high joining fee and renewal fee but offers extensive lounge access including unlimited international lounges and a tiered reward points system focused on retail shopping. Both cards provide a 1% fuel surcharge waiver, but their rewards and travel benefits cater to different user profiles.
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 | Idfc First Classic Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | IDFC First Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | No Joining Fees | Joining Fee of Rs.9999 |
| Annual / renewal fee | No Annual Fee | Renewal Fee of Rs.4999 |
| Annual fee waiver | — | Spend Rs.1000000 For Renewal Fee Waiver |
| Top reward rate | 3X Reward Points Upto Spends Rs.20000 | 36 Reward Points on Every Rs.200 For Online Shopping |
| Base rate (other spends) | — | 10 Reward Points on Every Rs.200 |
| Lounge — domestic | 4 Complimentary Railway Lounge Visits Per Quarter | 6 Complimentary Lounge Access in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | 5% Cashback on EMI | 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 | 0% - Zero Forex Markup | 1% - Foreign Currency Transactions |
When it comes to rewards, the Yes Bank Marquee Credit Card stands out with its tiered points system offering 10 to 36 reward points per Rs.200 spent, especially rewarding online shopping with 36 points per Rs.200. The Idfc First Classic Credit Card offers 3X reward points up to Rs.20,000 in spends and 10X points on crossing that threshold and on birthdays, with a redemption value of Rs.0.25 per point. The Marquee card's higher points rates on retail and online shopping may benefit heavy spenders in those categories despite its fees.
For travel benefits, the Yes Bank Marquee Credit Card is superior, providing 6 complimentary domestic lounge visits and unlimited international lounge access, which is ideal for frequent travelers. The Idfc First Classic Credit Card offers 4 complimentary railway lounge visits per quarter but does not list international lounge access in our data. Both cards include a 1% fuel surcharge waiver, but the Marquee card's broader lounge access and additional golf benefits add to its travel appeal.
The Idfc First Classic Credit Card is much more cost-effective with no joining or annual fees and zero forex markup, making it attractive for budget-conscious users or beginners. The Yes Bank Marquee Credit Card has a substantial joining fee of Rs.9,999 and a renewal fee of Rs.4,999, which can be waived only after spending Rs.10 lakh annually. Additionally, it charges a 1% forex markup. Therefore, the Idfc First Classic is better suited for those who prefer low-cost credit cards with decent rewards.
The Idfc First Classic Credit Card offers a 0% forex markup, making it cost-effective for international transactions. On the other hand, the Yes Bank Marquee Credit Card charges a 1% forex markup and has significant joining and renewal fees, which can be waived only after a high annual spend, indicating it targets premium users.
Idfc First Classic Credit Card rewards are straightforward with 3X points on spends up to Rs.20,000 and accelerated 10X points on higher spends and birthdays. Yes Bank Marquee Credit Card has a more complex tiered system with 10 to 36 points per Rs.200 spent, focusing on offline and online retail shopping, which benefits heavy shoppers.
Consider Idfc First Classic Credit Card if you want a no-fee credit card with zero forex markup and good reward points on everyday spends up to Rs.20,000. It's a practical choice for users seeking cost-effective rewards and occasional railway lounge access without the burden of high fees.
Consider Yes Bank Marquee Credit Card if you are a frequent traveler who values extensive lounge access including international lounges, and if you spend heavily on retail and online shopping to maximize the tiered reward points. Despite its high fees, the card offers premium benefits like golf lessons and milestone bonus points that can justify the cost for affluent users.
No, the Idfc First Classic Credit Card has no joining fees and no annual fees.
The Idfc First Classic Credit Card has a 0% forex markup fee, while the Yes Bank Marquee Credit Card charges a 1% forex markup on foreign currency transactions.
The Yes Bank Marquee Credit Card offers 6 complimentary domestic lounge visits and unlimited international lounge access, whereas the Idfc First Classic Credit Card provides 4 complimentary railway lounge visits per quarter and does not list international lounge access.
The Yes Bank Marquee Credit Card offers 20,000 bonus YES Rewardz points on payment of renewal fees. The Idfc First Classic Credit Card does not list any milestone benefits in our data.
Idfc First Classic Credit Card offers 3X reward points up to Rs.20,000 in spends and 10X points on crossing Rs.20,000 and on birthdays. Yes Bank Marquee Credit Card offers 10 points per Rs.200 spent generally, 18 points for offline shopping, and 36 points for online shopping.
Yes, both cards provide a 1% fuel surcharge waiver on fuel purchases.