IndusInd Visa Platinum Credit Card vs Yes Bank Marquee Credit Card: Which is Better in 2026?
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In short: Yes Marquee has the lower forex markup (1% vs 3.5%).
| Key facts | IndusInd | Yes Marquee |
|---|---|---|
| Annual fee | Not listed | ₹4,999 |
| Joining fee | None | ₹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 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Indusind Visa Platinum Credit Card offers no joining fee and rewards points on a variety of everyday spends, including education and utilities, with welcome vouchers. In contrast, the Yes Bank Marquee Credit Card carries a high joining and renewal fee but provides significantly higher reward points, extensive lounge access, and golf benefits. Both cards waive a 1% fuel surcharge, but differ notably in forex fees and reward structures.
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 | Indusind Visa Platinum Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | IndusInd Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee - Nil | Joining Fee of Rs.9999 |
| Annual / renewal fee | — | Renewal Fee of Rs.4999 |
| Annual fee waiver | — | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1.5 Rewards Points For Every Rs.150 | 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 Complimentary Night Gift Voucher at The Postcard | 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?
The Yes Bank Marquee Credit Card clearly leads in rewards with 10 points per Rs.200 spent and accelerated points for offline and online shopping, plus milestone bonus points. The Indusind Visa Platinum Credit Card offers a modest 1.5 points per Rs.150 and lower points on specific categories like education and utilities. For users focused on maximizing reward points, especially on retail and online spends, the Yes Bank card is more rewarding despite its fees.
Which is better for travel?
Yes Bank Marquee Credit Card offers superior travel benefits, including 6 complimentary domestic lounge visits and unlimited international lounge access, which the Indusind Visa Platinum Card lacks. Additionally, Yes Bank provides golf lessons and green fee rounds, adding value for travel and leisure enthusiasts. The Indusind card does not list any lounge or travel-related perks, making Yes Bank the better choice for frequent travelers.
Which has lower effective cost?
Indusind Visa Platinum Credit Card is more cost-effective upfront with no joining fee and no specified renewal fee, making it suitable for cost-conscious users. Yes Bank Marquee has a high joining fee of Rs.9999 and renewal fee of Rs.4999, with a waiver only after spending Rs.10 lakh annually. Forex markup is also notably lower on Yes Bank at 1%, compared to 3.5% on Indusind, which may offset some costs for frequent foreign transactions. Overall, Indusind is better for low-fee users, while Yes Bank suits those who can justify the fees through benefits.
Forex Markup Comparison
The Yes Bank Marquee Credit Card offers a significantly lower forex markup fee at 1%, compared to 3.5% on the Indusind Visa Platinum Credit Card. This makes Yes Bank more suitable for users who frequently transact in foreign currencies.
Welcome and Milestone Benefits
Indusind provides welcome vouchers under Vouchagram Premium without any milestone rewards. Yes Bank offers substantial welcome points on joining fee payment and bonus points on renewal fee payment, adding value for users who maintain the card long term.
Fuel Surcharge Waiver
Both cards provide a 1% fuel surcharge waiver across all petrol pumps, which is a useful benefit for regular fuel buyers.
Who should pick Indusind Visa Platinum Credit Card?
Consider Indusind Visa Platinum Credit Card if you prefer a no joining fee card with steady rewards on everyday categories like education, government payments, and utilities, and want to avoid high annual fees. It's suitable for users who want basic rewards and welcome vouchers without the burden of high fees or complex milestone requirements.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you are a frequent shopper, traveler, or golf enthusiast willing to pay a premium joining and renewal fee for higher reward points, extensive domestic and international lounge access, and exclusive golf benefits. It's ideal for high spenders who can leverage milestone bonuses and maximize rewards on offline and online shopping.
Frequently Asked Questions
Indusind Visa Platinum Credit Card has no joining fee and no specified renewal fee, while Yes Bank Marquee Credit Card charges Rs.9999 joining and Rs.4999 renewal fees.
Yes Bank Marquee Credit Card offers higher rewards with 10 points per Rs.200 spent and accelerated points for offline and online shopping, compared to Indusind's 1.5 points per Rs.150.
Yes Bank Marquee Credit Card provides 6 domestic and unlimited international lounge visits, whereas Indusind Visa Platinum Credit Card does not offer any lounge access.
Yes Bank Marquee Credit Card charges 1% forex markup, while Indusind Visa Platinum Credit Card charges 3.5% on foreign currency transactions.
Both cards offer a 1% fuel surcharge waiver across all petrol pumps.
Yes, it offers 20,000 bonus YES Rewardz points on payment of renewal fees.