Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs IRCTC ICICI Bank Credit Card vs YES Bank Marquee Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, IRCTC ICICI Bank Credit Card, 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, IRCTC ICICI Bank Credit Card ranks first for estimated net annual value — ahead of YES Bank Marquee Credit Card by about ₹909/yr.
| Feature | Axis Bank SELECT Credit Card Axis Bank | IRCTC ICICI Bank Credit Card ICICI Bank | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹880/yr | -₹29/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 10% reward points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | 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 · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IRCTC ICICI Bank Credit Card leads with an estimated ₹880/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Axis Bank SELECT Credit Card
Axis Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
YES Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | 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 | ₹3,000 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹880/yr | -₹29/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 10% reward points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | 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 · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Axis Bank SELECT Credit Card details →IRCTC ICICI Bank Credit Card details →YES Bank Marquee Credit Card details →
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