vs
In short: SBI Tata Titanium has the lower annual fee (₹499 vs ₹4,999); Yes Marquee has the lower forex markup (1% vs 3.5%).
| Key facts | SBI Tata Titanium | Yes Marquee |
|---|---|---|
| Annual fee | ₹499 | ₹4,999 |
| Joining fee | Not listed | ₹9,999 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | Up to 5% Value Back on Spends on Tata Outlets | 36 Reward Points on Every ₹200 For Online Shopping |
| Base rewards | 1 Empower Point on Retail | 10 Reward Points on Every ₹200 |
| Lounge access | Not listed | Unlimited international lounge access |
| Forex markup | 3.5% | 1% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The SBI Cards Tata Titanium MasterCard Credit Card and the Yes Bank Marquee Credit Card cater to different user needs, with distinct fee structures, rewards programs, and travel benefits. SBI Tata Titanium offers moderate fees with rewards focused on Tata outlets and grocery stores, while Yes Bank Marquee commands a high joining and renewal fee but delivers premium travel perks and accelerated reward points. Your choice depends on whether you prioritize everyday rewards or premium travel and lifestyle benefits.
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 | SBI Cards Tata Titanium MasterCard Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | SBI Cards | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee of Rs.9999 |
| Annual / renewal fee | Annual Fee - Rs.499 | Renewal Fee of Rs.4999 |
| Annual fee waiver | Spend Rs.1 Lakhs For Renewal Fee Waiver | Spend Rs.1000000 For Renewal Fee Waiver |
| Top reward rate | Get Upto 5% Value Back on Spends on Tata Outlets | 36 Reward Points on Every Rs.200 For Online Shopping |
| Base rate (other spends) | Earn 1 Empower Point on Retail | 10 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 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 | Earn 500 Empower points As Welcome Benefit on the Spends of Rs.2000 | 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 |
For rewards, the Yes Bank Marquee Credit Card offers a significantly higher earning potential with 36 reward points per Rs.200 spent on online shopping and 18 points on offline shopping, compared to SBI Tata Titanium's top rate of up to 5% value back on Tata outlets and 3X points on grocery stores. The Marquee card's welcome benefit of 40,000 YES Rewardz points and milestone bonus points also add to its rewards appeal. SBI Tata Titanium provides a simpler rewards structure with Empower points redeemable at Rs.1 per point, making it easier to understand but less lucrative overall. At Rs.20,000 monthly spend, the Marquee card’s rewards would be substantially higher.
Travel benefits strongly favor the Yes Bank Marquee Credit Card, which includes six complimentary domestic lounge accesses and unlimited international lounge visits. SBI Tata Titanium does not list any lounge access benefits in our data. Additionally, the Marquee card offers golf privileges such as 12 complimentary golf lessons per year and four free rounds of green fees, enhancing its appeal for premium travelers. Both cards provide a 1% fuel surcharge waiver and differ in forex markup fees, with Marquee charging 1% versus SBI Tata Titanium’s 3.5%, making the Marquee card more cost-effective for foreign currency transactions.
The SBI Tata Titanium card has a low annual fee of Rs.499, which is waived on spending Rs.1 lakh annually, making it more accessible for moderate spenders. In contrast, the Yes Bank Marquee card has a steep joining fee of Rs.9,999 and a renewal fee of Rs.4,999, waived only upon spending Rs.10 lakh annually, which suits high spenders who can justify the premium cost through rewards and benefits. For users with lower or moderate spending, SBI Tata Titanium is more cost-effective, while the Marquee card targets affluent customers seeking premium perks.
The Yes Bank Marquee Credit Card has a lower forex markup fee of 1% on foreign currency transactions, compared to SBI Tata Titanium’s 3.5%. This makes the Marquee card more cost-effective for international travel and foreign spending.
SBI Tata Titanium offers a renewal fee waiver on spending Rs.1 lakh annually, which is far more accessible than the Rs.10 lakh annual spend required to waive the Yes Bank Marquee card's renewal fee. This difference highlights the Marquee card’s positioning for high spenders.
Consider SBI Cards Tata Titanium MasterCard Credit Card if you want a low-cost credit card with straightforward rewards focused on Tata outlets and groceries. It's suitable for moderate spenders who want to avoid high fees and still earn decent value back, especially if you shop frequently at Tata stores. The 1% fuel surcharge waiver and simple Empower points redemption make it a practical everyday card.
Consider Yes Bank Marquee Credit Card if you are a high spender looking for premium travel benefits including extensive lounge access and golf privileges. Its accelerated rewards on online and offline shopping, along with a substantial welcome bonus and milestone points, make it ideal for those who can leverage the high joining and renewal fees. The lower forex markup and lifestyle perks add value for frequent travelers and luxury seekers.
SBI Tata Titanium charges Rs.499 annually, waived on spending Rs.1 lakh per year. Yes Bank Marquee has a Rs.9,999 joining fee and Rs.4,999 renewal fee, waived only if you spend Rs.10 lakh annually.
Yes Bank Marquee provides six complimentary domestic lounge visits and unlimited international lounge access. SBI Tata Titanium does not list any lounge access benefits.
Yes Bank Marquee rewards 36 points per Rs.200 on online shopping and 18 points offline, while SBI Tata Titanium offers up to 5% value back on Tata outlets and 3X points on groceries, with a base earning of 1 Empower point per Rs. spent.
Both cards offer a 1% fuel surcharge waiver on petrol purchases.
Yes Bank Marquee charges a 1% forex markup fee, whereas SBI Tata Titanium charges 3.5% on foreign currency transactions.
Yes Bank Marquee offers 40,000 YES Rewardz points on payment of joining fees, while SBI Tata Titanium gives 500 Empower points on spending Rs.2,000 within 60 days.