Yes Ace Credit Card vs Yes Bank Marquee Credit Card: Which is Better in 2026?
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The Yes Ace Credit Card and Yes Bank Marquee Credit Card cater to different user needs, particularly in rewards and travel benefits. While both cards offer rewards on spending, the Marquee card provides a more extensive rewards structure and additional travel perks.
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 | Yes Ace Credit Card | Yes Bank Marquee Credit Card |
|---|---|---|
| Bank | Yes Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.399 | Joining Fee of Rs.9999 |
| Annual / renewal fee | Renewal Fee of Rs.399 | Renewal Fee of Rs.4999 |
| Annual fee waiver | Spend Rs.5000 For Joining Fee Waiver | Spend Rs.1000000 For Renewal Fee Waiver |
| Reward rate (headline) | 8 Reward Points on Every Rs.200 For Online Shopping | 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 | — | — |
| 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 | 2.75% - Foreign Currency Transactions | 1% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Yes Bank Marquee Credit Card is superior, offering 10 Reward Points on every Rs.200 spent, compared to the Yes Ace Credit Card's 8 Reward Points for online shopping and 4 for offline. Additionally, the Marquee card features a higher earning potential with 36 Reward Points for online shopping, making it more appealing for frequent spenders.
Which is better for travel?
When it comes to travel benefits, the Yes Bank Marquee Credit Card stands out with unlimited complimentary international lounge access and six domestic lounge visits. In contrast, the Yes Ace Credit Card does not offer any lounge access, making the Marquee card a better choice for travelers seeking comfort during their journeys.
Which has lower effective cost?
In terms of effective costs, the Yes Ace Credit Card has a lower joining fee of Rs.399 and a renewal fee of the same amount, which can be waived with a spend of Rs.5000. The Marquee card, however, has a significantly higher joining fee of Rs.9999 and a renewal fee of Rs.4999, requiring a spend of Rs.1000000 for waiver, making it less accessible for budget-conscious users.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you are a casual spender looking for a low-cost card with decent rewards on online and offline shopping. Its lower fees and straightforward structure make it suitable for beginners or those who do not frequently travel.
Who should pick Yes Bank Marquee Credit Card?
Consider Yes Bank Marquee Credit Card if you are a frequent traveler and high spender who can benefit from extensive rewards and travel perks. The higher fees may be offset by the substantial rewards and lounge access, making it ideal for those who travel often and spend significantly.
Frequently Asked Questions
The joining fee for Yes Ace Credit Card is Rs.399.
Yes Bank Marquee Credit Card offers six complimentary lounge accesses in India and unlimited international lounge visits.
You earn 8 Reward Points on every Rs.200 spent on online shopping with Yes Ace Credit Card.
Yes, the renewal fee for Yes Bank Marquee Credit Card can be waived by spending Rs.1000000.