ICICI Sapphiro vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Sapphiro wins 5-3. Mid-premium with strong dining + travel mix. Yes Bank Marquee is still the right call if high spenders who travel abroad: a 1% forex markup and unlimited international lounge access..
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) | 4.5% (shopping) |
| Base reward rate | · 1% | 2.25% |
| Forex markup | · 3.5% | 1% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 40,000 YES Rewardz points as a joining benefit |
| Fee waiver threshold | ₹6,00,000 / yr | · ₹10,00,000 / yr |
| Min income | ₹10,00,000 | · ₹36,00,000 |
| Min credit score | 780 | · N/A |
| 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
- 36 YES Rewardz points per ₹200 online, 18 per ₹200 offline, 10 per ₹200 on select categories
- 1 point = ₹0.25 on flights and hotels, ₹0.15 as gift vouchers, ₹0.10 as statement credit
- Foreign currency markup 1%
- Unlimited international lounge access and 6 domestic lounge visits a quarter, for primary and add-on cards
- 20,000 bonus points on paying the renewal fee
- Renewal fee waived on ₹10,00,000 retail spend in a year
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. Run your own monthly spend through the maximizer to see which one pays you more.
›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: 40,000 YES Rewardz points as a joining benefit.