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| Feature | YES BANK YES BANK MARQUEE Credit Card | SBI Card Reliance SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | YES BANK | SBI Card |
| Network | Visa | RuPay |
| Annual fee | ₹4,999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 2.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 4.5% · Eligible online rewards | 0.5% · AJIO and JioMart points |
| International spending | 2.3% · Other eligible rewards | 1.3% · International incremental points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 24 domestic airport lounge visits per year • Unlimited international airport lounge visits | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 1% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 21 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent international travellers who want unlimited international airport lounge access without a super-premium fee. | Higher-spend Reliance customers who travel, dine and watch movies regularly. |
| Main trade-off | The strongest earn rate depends on an eligible online transaction. Points are worth up to ₹0.25, a redemption fee applies, and numerous regulated or quasi-cash categories earn no points. | The best rates require exact Reliance merchants or published MCCs. UPI at participating Reliance stores earns 0.5%, and Reliance-only milestone vouchers are not inferred from broad category totals. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
