Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 6 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 3 of 10
Verdict
IRCTC SBI Premier wins 6-3. Frequent rail travelers — 10% IRCTC train ticket value back. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | IRCTC SBI Premier | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹1,499 | · ₹4,999 |
| Joining fee | ₹1,499 | · ₹9,999 |
| Top reward rate | 10% (travel) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 4% | No FX fee |
| Welcome bonus | = 1,500 IRCTC reward points | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹2,400,000 |
| Min credit score | 720 | · 790 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
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
›IRCTC SBI Premier vs Yes Bank Marquee: which is better?
IRCTC SBI Premier wins on more dimensions (6 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 IRCTC SBI Premier 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?
IRCTC SBI Premier: 1,500 IRCTC reward points. Yes Bank Marquee: 15,000 reward points worth ₹3,750.