Standard Chartered Rewards 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 | Standard Chartered Rewards | Yes Marquee |
|---|---|---|
| Annual fee | Not listed | ₹4,999 |
| Joining fee | Not listed | ₹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 Standard Chartered Rewards Visa Platinum Credit Card and the Yes Bank Marquee Credit Card cater to different user profiles with distinct fee structures and reward schemes. Standard Chartered offers a no-joining and renewal fee card with accelerated rewards on dining and fuel, while Yes Bank's card commands a high joining and renewal fee but provides extensive lounge access and premium lifestyle benefits. Both cards have different forex markups and reward point accrual rates, making them suitable for varied spending habits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Standard Chartered Rewards Visa Platinum Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | Standard Chartered Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee - Zero | Joining Fee of Rs.9999 |
| Annual / renewal fee | Annual Fee - Zero | Renewal Fee of Rs.4999 |
| Annual fee waiver | Spend Rs.500 For Onetime Fee Waiver | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 Reward Points per 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 | — | 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?
When it comes to rewards, the Yes Bank Marquee Credit Card offers a higher rate of reward points, especially with 10 points per Rs.200 spent and even more on offline and online shopping. It also provides a welcome bonus of 40,000 YES Rewardz Points and milestone rewards on renewal fee payment. In contrast, the Standard Chartered Rewards Visa Platinum Credit Card offers 1 reward point per Rs.150 spent with accelerated 5X points on dining and fuel but lacks welcome or milestone bonuses. Overall, Yes Bank's card is more rewarding for higher spenders seeking premium benefits.
Which is better for travel?
For travel-related benefits, the Yes Bank Marquee Credit Card clearly stands out with 6 complimentary domestic lounge visits and unlimited international lounge access. It also offers a 1% fuel surcharge waiver and golf-related perks such as complimentary lessons and rounds. The Standard Chartered card does not provide any lounge access or travel-related benefits, making Yes Bank's card more suitable for frequent travelers and lifestyle enthusiasts.
Which has lower effective cost?
The Standard Chartered Rewards Visa Platinum Credit Card has no joining or renewal fees, with a simple one-time fee waiver upon spending Rs.500, making it very cost-effective for beginners or low spenders. Conversely, the Yes Bank Marquee Credit Card has a steep joining fee of Rs.9,999 and a renewal fee of Rs.4,999, with a high waiver threshold of Rs.10 lakh annual spend, which may not be feasible for all users. Therefore, the Standard Chartered card is more attractive for those prioritizing low fees and easy waivers.
Forex Markup Comparison
The Standard Chartered card charges a higher forex markup fee of 3.5% on foreign currency transactions, whereas the Yes Bank Marquee card offers a significantly lower forex markup of 1%. This makes the Yes Bank card more cost-effective for international travelers or those who frequently transact in foreign currencies.
Reward Point Redemption Value
Standard Chartered allows redemption of reward points at Rs.0.25 per point, which is a clear and fixed conversion rate. The Yes Bank card's redemption terms are not detailed here, so users should check the issuer's site for exact redemption values to compare effectively.
Who should pick Standard Chartered Rewards Visa Platinum Credit Card?
Consider Standard Chartered Rewards Visa Platinum Credit Card if you prefer a no-fee credit card with straightforward rewards on dining and fuel, and if you are a beginner or moderate spender looking for a low-cost option without the need for premium travel benefits.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you are a high spender who values premium lifestyle privileges such as extensive lounge access, golf benefits, and lucrative reward points with welcome and milestone bonuses, and if you are comfortable paying high joining and renewal fees for these perks.
Frequently Asked Questions
No, the Standard Chartered Rewards Visa Platinum Credit Card has zero joining and renewal fees with a one-time fee waiver available on spending Rs.500.
Yes Bank Marquee Credit Card offers 6 complimentary domestic lounge visits in India and unlimited complimentary international lounge visits.
Yes, the Yes Bank Marquee Credit Card offers a welcome benefit of 40,000 YES Rewardz Points on payment of joining fees. The Standard Chartered card does not provide a welcome bonus.
The Yes Bank Marquee Credit Card has a lower forex markup fee of 1%, compared to 3.5% on the Standard Chartered Rewards Visa Platinum Credit Card.
Yes Bank Marquee Credit Card offers 20,000 bonus YES Rewardz Points on payment of renewal fees. The Standard Chartered card does not have milestone rewards.
Standard Chartered Rewards Visa Platinum Credit Card offers 1 reward point per Rs.150 spent with 5X points on dining and fuel. Yes Bank Marquee Credit Card offers 10 reward points per Rs.200 spent, with higher points on offline and online shopping.