Which card has the lower annual fee?

YES Bank Marquee Credit Card has the lowest annual fee at ₹999.

Which card earns more on moderate spend?

SBI Card ELITE leads with an estimated ₹1,701/yr net annual value on moderate spend.

Which card has the lower income requirement?

YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Amex Membership Rewards CC vs SBI Card ELITE vs YES Bank Marquee Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, SBI Card ELITE, YES Bank Marquee Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card ELITE ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹879/yr.

Amex Membership Rewards CC vs SBI Card ELITE vs YES Bank Marquee Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	SBI Card ELITE SBI Card	YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹4,500	₹4,999	₹999
Fee waiver threshold	No waiver published	₹10,00,000/yr	No waiver published
Min income	₹60,000/mo	₹60,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹1,701/yr	-₹29/yr
Travel	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)	4 pts per ₹150 spend → ₹33/mo (₹400/yr)
Top reward rate	2 RP/₹150	5X reward points	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹4,000	₹5,000	—

Frequently asked questions

Which card has the lower annual fee?: YES Bank Marquee Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?: SBI Card ELITE leads with an estimated ₹1,701/yr net annual value on moderate spend.
Which card has the lower income requirement?: YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Amex Membership Rewards CC

American Express

Card 2

SBI Card ELITE

SBI Card

Card 3

YES Bank Marquee Credit Card

YES Bank

Your adjusted comparison

Feature	American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express	SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹4,500	₹4,999	₹999
Fee waiver threshold	No waiver published	₹10,00,000/yr	No waiver published
Min income	₹60,000/mo	₹60,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹1,701/yr	-₹29/yr
Travel	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)	4 pts per ₹150 spend → ₹33/mo (₹400/yr)
Top reward rate	2 RP/₹150	5X reward points	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹4,000	₹5,000	—

Amex Membership Rewards CC details →SBI Card ELITE details →YES Bank Marquee Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons