Head-to-head · 🇮🇳 India
Kotak White Reserve vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 7 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 2 of 10
Verdict
Kotak White Reserve wins 7-2. Premium dining + travel without breaking the ₹3K-fee tier. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | Kotak White Reserve | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹3,000 | · ₹4,999 |
| Joining fee | ₹3,000 | · ₹9,999 |
| Top reward rate | 4% (dining) | · 2% (general) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | · 1.99% | No FX fee |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹600,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,800,000 | · ₹2,400,000 |
| Min credit score | 780 | · 790 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
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
›Kotak White Reserve vs Yes Bank Marquee: which is better?
Kotak White Reserve 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 Kotak White Reserve 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?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. Yes Bank Marquee: 15,000 reward points worth ₹3,750.