Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 7 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 2 of 10
Verdict
IDFC FIRST Wealth wins 7-2. Lifetime-free premium — best zero-fee card in India. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | IDFC FIRST Wealth | Yes Bank Marquee |
|---|---|---|
| Annual fee | No annual fee | · ₹4,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | 3% (general) | · 2% (general) |
| Base reward rate | 3% | · 2% |
| Forex markup | · 1.5% | No FX fee |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹2,400,000 |
| Min credit score | 770 | · 790 |
| Editorial rating | 4.7/5 | · 4.3/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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 Wealth vs Yes Bank Marquee: which is better?
IDFC FIRST Wealth 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 Wealth 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 Wealth: 5,000 reward points on first 90-day spend. Yes Bank Marquee: 15,000 reward points worth ₹3,750.