Head-to-head · 🇮🇳 India
ICICI Sapphiro vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 5 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 3 of 10
Verdict
ICICI Sapphiro wins 5-3. Mid-premium with strong dining + travel mix. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | ICICI Sapphiro | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹3,500 | · ₹4,999 |
| Joining fee | ₹6,500 | · ₹9,999 |
| Top reward rate | · 1% (general) | 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹600,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,000,000 | · ₹2,400,000 |
| Min credit score | 780 | · 790 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel 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 Sapphiro vs Yes Bank Marquee: which is better?
ICICI Sapphiro wins on more dimensions (5 vs 3). 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. Yes Bank Marquee: 15,000 reward points worth ₹3,750.