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SBI Card against Fixed Deposit vs YES Bank Marquee Credit Card

Honest side-by-side comparison of SBI Card against Fixed Deposit, 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 Card against Fixed Deposit

SBI Card

YES Bank Marquee Credit Card

YES Bank

Your adjusted comparison

Feature
SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

YES Bank Marquee Credit Card

YES Bank Marquee Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹9,999
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹40,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr-₹10,839/yr
Travel—₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr)
Top reward rate80% of FD value4 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SBI Card against Fixed Deposit details →YES Bank Marquee Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads YES Bank Marquee Credit Card by about ₹12,279/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

SBI Card against Fixed Deposit vs YES Bank Marquee Credit Card comparison table
FeatureSBI Card against Fixed Deposit

SBI Card

YES Bank Marquee Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹9,999
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹40,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr-₹10,839/yr
Travel—₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr)
Top reward rate80% of FD value4 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneDomestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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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