Infinia Metal Edition Hdfc Credit Card vs Yes Bank Marquee Credit Card: Which is Better in 2026?
vs
The Infinia Metal Edition Hdfc Credit Card and Yes Bank Marquee Credit Card cater to premium users with distinct reward structures and travel benefits. Infinia offers higher joining and renewal fees with unlimited domestic and international lounge access, while Yes Bank Marquee has lower fees and a more modest domestic lounge benefit. Both cards provide golf-related perks, but their reward point systems and forex charges differ significantly.
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 | Infinia Metal Edition Hdfc Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | HDFC Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.12500 | Joining Fee of Rs.9999 |
| Annual / renewal fee | Renewal Fee of Rs. 12500 | Renewal Fee of Rs.4999 |
| Annual fee waiver | Spend Rs.10 Lakh For Renewal Fee Waiver | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 5X Reward Points on Flights | 10 Reward Points on Every Rs.200 |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 6 Complimentary Lounge Access in India |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Earn 12500 Reward Points As Welcome Benefit | 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 | 2% - Foreign Currency Transactions | 1% - Foreign Currency Transactions |
Which is better for rewards?
The Infinia Metal Edition Hdfc Credit Card leads in rewards with multiple accelerated earning categories, including 5X points on flights, Gyftr, Apple, Myntra, and 10X points on Pharmeasy, Jockey, and hotels. It also offers a welcome benefit of 12,500 reward points and flexible redemption options including travel and vouchers. In contrast, Yes Bank Marquee Credit Card provides a straightforward earning rate of 10 reward points per Rs. 200 spent, with higher points for online shopping and a welcome bonus of 40,000 YES Rewardz points. Overall, Infinia's varied and higher multipliers make it better suited for users seeking diverse rewards.
Which is better for travel?
For travel benefits, Infinia Metal Edition clearly stands out with unlimited complimentary lounge access both domestically and internationally, plus a Club Marriott membership and the ability to convert reward points to airmiles. Yes Bank Marquee offers unlimited international lounge access but only 6 complimentary domestic lounge visits annually. Both cards waive fuel surcharges by 1%. Infinia's superior lounge access and travel redemption flexibility make it a stronger choice for frequent travelers.
Which has lower effective cost?
Yes Bank Marquee Credit Card is more affordable with a joining fee of Rs. 9,999 and a renewal fee of Rs. 4,999, both of which can be waived by spending Rs. 10 lakh annually. In contrast, Infinia Metal Edition charges Rs. 12,500 for both joining and renewal, with the same waiver threshold. The lower fees and waiver amounts make Yes Bank Marquee more accessible for users mindful of annual costs, though Infinia's higher fees come with premium benefits that may justify the expense for some.
Forex Markup Fees
The Infinia Metal Edition Hdfc Credit Card charges a 2% forex markup fee on foreign currency transactions, whereas the Yes Bank Marquee Credit Card offers a lower 1% forex markup. This makes Yes Bank Marquee more cost-effective for international spending.
Golf Benefits
Both cards offer golf-related perks but differ in scope. Infinia provides unlimited complimentary golf games and lessons with a 100% green fee waiver, while Yes Bank Marquee offers 12 complimentary golf lessons per year and 4 complimentary rounds of green fees annually, plus a 50% discount on green fees.
Who should pick Infinia Metal Edition Hdfc Credit Card?
Consider Infinia Metal Edition Hdfc Credit Card if you prioritize premium travel perks such as unlimited domestic and international lounge access, diverse high-value reward categories, and golf benefits. It's suitable for high spenders who can leverage the extensive rewards and concierge services despite the higher fees.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you prefer a lower fee structure with a decent welcome bonus and reward points, along with unlimited international lounge access and some domestic lounge visits. It is a practical choice for users seeking premium benefits at a more affordable cost and who value golf coaching and discounted green fees.
Frequently Asked Questions
Infinia Metal Edition Hdfc Credit Card has a joining and renewal fee of Rs. 12,500 each, while Yes Bank Marquee Credit Card charges Rs. 9,999 for joining and Rs. 4,999 for renewal.
Infinia Metal Edition offers unlimited complimentary lounge visits both in India and internationally. Yes Bank Marquee provides unlimited international lounge access but only 6 complimentary domestic lounge visits annually.
Infinia Metal Edition charges a 2% forex markup fee on foreign currency transactions, whereas Yes Bank Marquee charges a lower 1% fee.
Yes, Infinia Metal Edition offers 12,500 reward points as a welcome benefit, while Yes Bank Marquee provides 40,000 YES Rewardz points upon payment of joining fees.
Both cards provide a 1% fuel surcharge waiver on fuel transactions.
Infinia Metal Edition offers unlimited complimentary golf games and lessons with a 100% green fee waiver. Yes Bank Marquee provides 12 complimentary golf lessons per year, 4 complimentary green fee rounds annually, and a 50% discount on green fees.