Head-to-head · 🇮🇳 India
ICICI Rubyx vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 5 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 4 of 10
Verdict
ICICI Rubyx wins 5-4. Step up from Coral — adds dual-network and milestone rewards. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | ICICI Rubyx | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹2,000 | · ₹4,999 |
| Joining fee | ₹3,000 | · ₹9,999 |
| Top reward rate | · 1% (general) | 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹350,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹600,000 | · ₹2,400,000 |
| Min credit score | 760 | · 790 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
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
›ICICI Rubyx vs Yes Bank Marquee: which is better?
ICICI Rubyx 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 ICICI Rubyx 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?
ICICI Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. Yes Bank Marquee: 15,000 reward points worth ₹3,750.