Side-by-side · honest numbers
SBI Cashback Credit Card vs YES Bank Marquee Credit Card
Honest side-by-side comparison of SBI Cashback Credit Card, YES Bank Marquee Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
SBI Cashback Credit Card
SBI Card
YES Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | SBI Cashback Credit Card SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹9,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,520/yr | -₹10,839/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo | — |
| Travel | — | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 5% | 4 RP/₹150 |
| Primary reward cap | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 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) |
| Key exclusions | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/sbi-cashback-vs-yes-marqueeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Cashback Credit Card leads YES Bank Marquee Credit Card by about ₹16,359/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | SBI Cashback Credit Card SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹9,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,520/yr | -₹10,839/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo | — |
| Travel | — | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 5% | 4 RP/₹150 |
| Primary reward cap | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 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) |
| Key exclusions | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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