Head-to-head · 🇮🇳 India
HDFC Smart Pay vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Smart Pay
Wins 5 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 4 of 10
Verdict
HDFC Smart Pay wins 5-4. Lowest-fee credit card from HDFC — utility-only. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | HDFC Smart Pay | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹199 | · ₹4,999 |
| Joining fee | ₹199 | · ₹9,999 |
| Top reward rate | · 1% (general) | 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 500 CashPoints on activation | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹20,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹180,000 | · ₹2,400,000 |
| Min credit score | 700 | · 790 |
| Editorial rating | · 3.8/5 | 4.3/5 |
Benefits compared
HDFC Smart Pay
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
Yes Bank Marquee
- 12 reward points per ₹200 on weekend dining + grocery
- 6 reward points per ₹200 on others
- 0% forex markup
- Unlimited domestic + 4 international lounge visits/quarter
- Golf at 250+ courses (4/quarter)
FAQ
›HDFC Smart Pay vs Yes Bank Marquee: which is better?
HDFC Smart Pay wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Smart Pay for its best categories, Yes Bank Marquee for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Smart Pay: 500 CashPoints on activation. Yes Bank Marquee: 15,000 reward points worth ₹3,750.