Head-to-head · 🇮🇳 India
IDFC FIRST Select vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 7 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 2 of 10
Verdict
IDFC FIRST Select wins 7-2. Lifetime-free with surprisingly strong reward earn rates. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | IDFC FIRST Select | Yes Bank Marquee |
|---|---|---|
| Annual fee | No annual fee | · ₹4,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | 10% (shopping) | · 2% (general) |
| Base reward rate | 3% | · 2% |
| Forex markup | · 1.99% | No FX fee |
| Welcome bonus | = 600 reward points on ₹15K spend in first 90 days | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹600,000 | · ₹2,400,000 |
| Min credit score | 750 | · 790 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
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
›IDFC FIRST Select vs Yes Bank Marquee: which is better?
IDFC FIRST Select wins on more dimensions (7 vs 2). 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 IDFC FIRST Select 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?
IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days. Yes Bank Marquee: 15,000 reward points worth ₹3,750.