Head-to-head · 🇮🇳 India
Standard Chartered Smart vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Standard Chartered
Standard Chartered Smart
VISA
Wins 5 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 3 of 10
Verdict
Standard Chartered Smart wins 5-3. Entry tier alternative — flat 2% on online spends. Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | Standard Chartered Smart | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹499 | · ₹4,999 |
| Joining fee | ₹499 | · ₹9,999 |
| Top reward rate | = 2% (shopping) | = 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = ₹500 Amazon voucher on first 30-day spend | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹120,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹250,000 | · ₹2,400,000 |
| Min credit score | 720 | · 790 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
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
›Standard Chartered Smart vs Yes Bank Marquee: which is better?
Standard Chartered Smart wins on more dimensions (5 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 Standard Chartered Smart for online shopping, Yes Bank Marquee for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend. Yes Bank Marquee: 15,000 reward points worth ₹3,750.