Head-to-head · 🇮🇳 India
SBI IRCTC Premier vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 6 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 3 of 10
Verdict
SBI IRCTC Premier wins 6-3. Heavy IRCTC train booking users. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | SBI IRCTC 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 | · 1.25% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,500 reward points + waived first-year fee on ₹1L spend | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹2,400,000 |
| Min credit score | 740 | · 790 |
| Editorial rating | · 3.9/5 | 4.3/5 |
Benefits compared
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
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
›SBI IRCTC Premier vs Yes Bank Marquee: which is better?
SBI IRCTC 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 SBI IRCTC 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?
SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend. Yes Bank Marquee: 15,000 reward points worth ₹3,750.