YES Marquee vs YES Reserv 3x vs YES Reserv 5x

[helloworld]

Category	YES MARQUÉE	YES RESERV 3x	YES RESERV 5x
Suitable for	for online spends	for all spends	for Travel, Dining, Apparel, and Healthcare spends
JF (First Year Membership Fee)	11800 (incl. GST)	2360 (incl. GST)	2360 (incl. GST)
Joining benefits / Net Return	15,000 (+3,200)	2360 off on spends of 40k done within 30 days (+0)	2360 off on spends of 40k done within 30 days (+0)
Subscription Fee	-	4130 (incl. 3x Plan + GST)	5900 (incl. 5x Plan + GST)
Online Spends (on every 200)	36 RPs (2.7% - 4.5%) ----------------------- 4.5% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 2.7% if points are used for statement credit, Amazon pay, Flipkart.​	48 RPs (2.4% - 6%) ------------------------ 6% if points are used for flights, hotels. 2.4% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	72 RPs on 5x categories (3.6% - 9%) 24 RPs on other categories (1.2% - 6%) ------------------------ 9% if points are used for flights, hotels. 3.6% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Offline Spends (on every 200)	18 RPs (1.35% - 2.25%) -------------------------- 2.25% (18 per 200) if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 1.35% if points are used for statement credit, Amazon pay, Flipkart	36 RPs (1.8% - 4.5%) -------------------------- 4.5% if points are used for flights, hotels. 1.8% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	60 RPs on 5x categories (3% - 7.5%) 12 RPs on other categories (0.6% - 1.5%) ------------------------ 7.5% if points are used for flights, hotels. 3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Select Categories (on every 200) (utilities, insurance, govt. payments, education fee)	10 RPs (0.75% - 1.25%) --------------------------- 1.25% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 0.75% if points are used for statement credit, Amazon pay, Flipkart	18 RPs (0.9% - 2.25%) --------------------------- 2.25% if points are used for flights, hotels. 0.90% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.	6 RPs on all categories (0.3% - 0.75%) ------------------------- 0.75% if points are used for flights, hotels. 0.3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.
Reward Point Value	Swiggy/Zomato/Flight/Hotel - 0.25p Amzn/Flikart/St.Credit - 0.15p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p
Max. Rewards per statement cycle	1L points // apprx. 5L+ spends	36k points (base) + 75k (subscription points) // apprx. 6L spends	36k points (base) + 75k (subscription points) // apprx. 6L spends
Renewal Fee / Benefits	waived if spend 10L or 5,000 worth of reward points if fee charged (-900)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)
Additional Benefits
Wallet / Rent MCC	0%	0%	0%
Utility (Select category)	-1.18% if Utility >15k and no reward points for those >15k spends	-1.18% if Utility >15k and no reward points for those >15k spends	-1.18% if Utility >15k and no reward points for those >15k spends
Domestic Lounge	6 / Quarter (both primary and add-on) *35k/qtr	3 / Quarter (only primary) *35k/qtr	3 / Quarter (only primary) *35k/qtr
International Lounge	Unlimited (both primary and add-on) No spend reqd	6 / Year (only primary) No spend reqd	6 / Year (only primary) No spend reqd
Guest Visits (dom. or Intl. Lounge)	8 / Year	-	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	-1.18%	-2.07%	-2.07%
On 3L spends	Online Spends = 54000 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 134000 RP = 134000 RP * 0.25 = 33,500 = 33,500 - 11,800 (JF paid) -5,900 (RF paid) = 15,800 Net return = 5.27%	All Category Spends = 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%	On Offline Travel, Dining, Apparel, and Health Care Spends = 90000 RP + (JF waived) + (RF waived) = 90000 RP = 90000 RP * 0.25 = 22,500 = 22,500 - 5,900 (sub. fee) = 16,600 Net return = 5.53%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x/5x subscription plan.

Drsel's advice
1. Ideally Yes Marquee should be used only for online spends and the points earned should be redeemed for Zomato and Swiggy cash vouchers.

2. Ideally Yes Reserve 3x should be used only for online spends and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

3. Yes Reserve 5x has the highest return of all Yes Bank cards, provided you have a lot of expenses in hospital bills, doctors fees, diagnostic tests (blood test, x-ray, CT scan, MRI etc,), medicines, travel (including online travel agents), luxury fashion brands.
Ideally Yes Reserve 5x should be used only for online spends in all the above categories, and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

4. For all spends, if possible, ask the merchant to send a payment link by SMS, email or WhatsApp, so that you can pay online instead of offline to get the extra 2.25% (Marquee) or extra 1.5%.(Reserv 3x and 5x)

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan
Lounge conditions: https://www.yesbank.in/pdf?name=yesbank_creditcard_tnc.pdf

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period (this means its unstable at this point)..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

 

[R!ppEr]

can anyone shed light if we get points on rent payment using reserv?

 

[helloworld]

can anyone shed light if we get points on rent payment using reserv?

rent and wallet mcc - 0 points.

 

[Harry1]

Is the subscription in auto renewal mode? If yes, can we unsubscribe it next year?

 

[helloworld]

Is the subscription in auto renewal mode? If yes, can we unsubscribe it next year?

not auto renewal, mine completed in Feb end and not renewed in March.

 

[sm9811911]

Great quality thread.

 

[ccrnc]

Category	MARQUÉE	RESERV
Renewal fee / waiver or benefits (Rent/Wallet spends excluded for fee waiver)	5,900 / waived if spend 10L or 5,000 if fee charged	2,360 / waived if spend 3L or 2,000 if fee charged
Subscription options	None	4,130 (3x on all spends) 5,900 (5x on travel, dining, fashion, healthcare)
First year fee / benefits (+/- net)	11,800 / 15,000 (+3,200)	6,490 / 2,360 (-4,130) (Considered with 40k spends JF waived and 3x subscription for below values)
Redemption	Some vouchers / flights/ hotel - 0.25p Other vouchers / Statement credit - 0.15p	flights/hotels - 0.25p Some vouchers - 0.20p Other vouchers - 0.15p Statement credit and favourite vouchers - 0.10p
Special categories (utilities, insurance, grocery, supermarket, govt. payments, education fee)	1.25% (10 per 200) (-1.18% if Utility if >15k and no rewards for that)	2.25% (18 per 200) (-1.18% if Utility if >15k and no rewards for that)
Offline Spends	2.25% (18 per 200)	4.5% (36 per 200)
Online Spends	4.5% (36 per 200)	6% (48 per 200)
Max. Rewards per statement cycle	1L points	36k points (base) + 75k (subscription points)
Wallet / Rent MCC	0%	0%
Domestic Lounge	6 / Quarter (both primary and add-on)	3 / Quarter (only primary)
International Lounge	Unlimited (both primary and add-on)	6 / Year (only primary)
Guest Visits (domestic or Intl. Lounge)	8 / Year	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	1.18%	2.07%
		Below calculation with 3x subscription plan
On 3L spends in first year = 1.5L spends online 1L spends special 0.5L spends offline	= 36500 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 116500 RP = 116500 RP * 0.25 = 29,125 = 29,125 - 11,800 (JF paid) -5,900 (RF paid) = 11,425 Net return = 3.8%	= 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%
On 7L spends in first year = 4L online 2L Special 1L offline	Net return = 3.57%	Net return = 4.12%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x subscription plan.

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility

Hi, Why is grocery/supermarkets included in the select categories? Don't see them mentioned as such on the bank's page.

 

[ccrnc]

click the link of the card page..

scroll down (wait for few secs, it takes time to load) scroll down..

terms & conditions, point a) or b) will have whole list of selected categories.

https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card

Check for yourself, 14 categories mentioned in clause B. 2 initially for cable/utilities, next 3 for insurance, 6 for education, 3 for govt transactions. Clause G has excluded categories, 2 for rental, 1 wallet. No mention of groceries. I have also seen a more comprehensive list circulating around including groceries and even cab services. However, I haven't noticed anything to confirm these categories on any official links.

 

[Harry1]

https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card

Check for yourself, 14 categories mentioned in clause B. 2 initially for cable/utilities, next 3 for insurance, 6 for education, 3 for govt transactions. Clause G has excluded categories, 2 for rental, 1 wallet. No mention of groceries. I have also seen a more comprehensive list circulating around including groceries and even cab services. However, I haven't noticed anything to confirm these categories on any official links.

They changed the list silently.

Yes Bank Reserv + 3X Subscription Plan

Hi everyone, I am looking for a new card to complement my Infinia. The main goal is to increase the rewards rate for a few lakhs of donations towards NGOs (both Indian and International). BOGO on movies, and rewards on rental and UPI transactions will be great to have but not necessary. I...

www.technofino.in

 

[Harry1]

yes, I thought no changes this month but we have 2 updates so far..

This was changed in February itself. See the quoted link.

Edit: Btw, in my pc, where I have vpn and don't use normally, I still see old list. Seems similar cache related issue here. Not sure which one is latest😜.

 

[ccrnc]

yes, I thought no changes this month but we have 2 updates so far..

Yes, its been updated a while back I imagine, because I got my card in Jan end, and this was the list I saw. Only Utilities/Insurance/Education/Govt on select categories, which is what make sense. The old list was batshit crazy, excluding things like supermarkets and cabs makes no sense.

 

[Harry1]

not sure but when I made this post, last month I checked again and updated accordingly. Something not updated somewhere.

I got it. There are 2 links with 2 different tables.

Old list -

https://www.yesbank.in/personal-banking/nri/credit-cards/reserv-credit-card

New list -

https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card

 

[helloworld]

thanks @ccrnc updated the post accordingly based on the latest list (or whatever visible to me as latest), let us know if any changes.

 

[ccrnc]

I got it. There are 2 links with 2 different tables.

Old list -

https://www.yesbank.in/personal-banking/nri/credit-cards/reserv-credit-card

New list -

https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card

Ah, the old list is applicable for NRI customers I imagine. The webpage clearly mentions other T&C's specific to them as well. No mention of subscription plans on that page as well. All this shouldn't be applicable to residents.

 

[Zacobite]

Category	MARQUÉE	RESERV
Renewal fee / waiver or benefits (Rent/Wallet spends excluded for fee waiver)	5,900 / waived if spend 10L or 5,000 if fee charged	2,360 / waived if spend 3L or 2,000 if fee charged
Subscription options	None	4,130 (3x on all spends) 5,900 (5x on travel, dining, fashion, healthcare)
First year fee / benefits (+/- net)	11,800 / 15,000 (+3,200)	6,490 / 2,360 (-4,130) (Considered with 40k spends JF waived and 3x subscription for below values)
Redemption	Some vouchers / flights/ hotel - 0.25p Other vouchers / Statement credit - 0.15p	flights/hotels - 0.25p Some vouchers - 0.20p Other vouchers - 0.15p Statement credit and favourite vouchers - 0.10p
Special categories (utilities, insurance, grocery, supermarket, govt. payments, education fee)	1.25% (10 per 200) (-1.18% if Utility if >15k and no rewards for that)	2.25% (18 per 200) (-1.18% if Utility if >15k and no rewards for that)
Offline Spends	2.25% (18 per 200)	4.5% (36 per 200)
Online Spends	4.5% (36 per 200)	6% (48 per 200)
Max. Rewards per statement cycle	1L points	36k points (base) + 75k (subscription points)
Wallet / Rent MCC	0%	0%
Domestic Lounge	6 / Quarter (both primary and add-on)	3 / Quarter (only primary)
International Lounge	Unlimited (both primary and add-on)	6 / Year (only primary)
Guest Visits (domestic or Intl. Lounge)	8 / Year	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	1.18%	2.07%
		Below calculation with 3x subscription plan
On 3L spends in first year = 1.5L spends online 1L spends special 0.5L spends offline	= 36500 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 116500 RP = 116500 RP * 0.25 = 29,125 = 29,125 - 11,800 (JF paid) -5,900 (RF paid) = 11,425 Net return = 3.8%	= 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%
On 7L spends in first year = 4L online 2L Special 1L offline	Net return = 3.57%	Net return = 4.12%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x subscription plan.

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

i still cannot get over 6% for online spends vs 4.5%.. strange differentiation by YES..

 

[helloworld]

i still cannot get over 6% for online spends vs 4.5%.. strange differentiation by YES..

at this rate, they'll settle that difference in coming months.

 

[Harry1]

at this rate, they'll settle that difference in coming months.

I am thinking to spend a lot using this 3x plan and then ask for LTF upgrade to Marquee based on those spends 😜.

 

[helloworld]

I am thinking to spend a lot using this 3x plan and then ask for LTF upgrade to Marquee based on those spends 😜.

sounds good and that'll be the stable product than this 3x..

 

[wncjs]

sounds good and that'll be the stable product than this 3x..

I'm curious why are people running behind Yes Marquee? It's just 4.5% rp rate with so many exclusions. SBI CB card seems like anyday a better card with a no frills 5% cb.

If you compare exclusions of both sbi cb and Yes Marquee, both are similar - only difference being Yes Marquee gives points for jewellery, while SBI CB card doesn't. Rest all exclusions are exactly similar for both the cards. So MS is anyways not possible on either of the two cards - yes marquee or SBI CB.

There are not much other benefits to Yes Marquee as well. Only BMS BOGO is there. Rest even domestic lounges aren't unlimited. No other lifestyle perks.

If anything, SBI cards have far more merchant offers than Yes Bank cards.

Then why are people running behind Yes Marquee? What's so amazing about it, that makes it a better card than SBI CB card? I'm curious to know from people here.

 

[helloworld]

I'm curious why are people running behind Yes Marquee? It's just 4.5% rp rate with so many exclusions. SBI CB card seems like anyday a better card with a no frills 5% cb.

If you compare exclusions of both sbi cb and Yes Marquee, both are similar - only difference being Yes Marquee gives points for jewellery, while SBI CB card doesn't. Rest all exclusions are exactly similar for both the cards. So MS is anyways not possible on either of the two cards - yes marquee or SBI CB.

There are not much other benefits to Yes Marquee as well. Only BMS BOGO is there. Rest even domestic lounges aren't unlimited. No other lifestyle perks.

If anything, SBI cards have far more merchant offers than Yes Bank cards.

Then why are people running behind Yes Marquee? What's so amazing about it, that makes it a better card than SBI CB card? I'm curious to know from people here.

Few points first,

People running behind all bank cards.. some just applying thesse cards because they can, Infact <20% people in the forum itself checking rewards before applying any card (they often ask question, "I applied this card, where to use it?"). And if you observe here comparison not between SBI cards vs YES cards but only within YES cards.

So, if one find ideal use cases with SBI then definitely recommended SBI. YES cards more or like rewards cards and not comparable with cashback cards. Again, I'm not saying you can get variable rate in this bank but it is what it is (4.5% max).

Since, anyway you asked. sample example (note: both cards are 900 fee cards)

On 3L spends in first year =

1.5L spends online
1L spends special
0.5L spends offline

Marquee net return = 3.8%

SBI CB net return = 7500 + 0 + 500 = 2.67%

I agree that
- SBI has more offers than YES

But, YES Marquee is a premium card whereas SBI CB is basic card. The difference usually observed with lifestyle benefits, one who went for Infinia not looking for cashback because that provides only 1% return whereas SBI CB gives 5%, it all about other benefits these cards provides.

Movies - 36 free tickets on BMS (thats 50% extra discount SBI CB not provide on BMS)
Domestic - Agree.. not unlimited but it gives 32 lounges in a year for domestic, I belive that is enough to be considered as unlimited.
International - Unlimited
Forex - 1.18% vs SBI CB 4.13% (beneficial for those who transact international purchases)

There is no denying that if one can spend upto 1L only on online shopping then SBI CB, undoubtly the best - it gives 5%.

But, consider that some people spend more than 1L in a month (as mentioned earlier their lifestyle need stepup), and some spends offline, special categories.. then SBI CB not upto the point.

Finally, I'm not saying this is the best card available now but do not compare cashback card with rewards card or with lifestyle card. Cashbacks are basic cards easily available for many whereas premium cards those who want to take further step.

 

[wncjs]

Few points first,

People running behind all bank cards.. some just applying thesse cards because they can, Infact <20% people in the forum itself checking rewards before applying any card (they often ask question, "I applied this card, where to use it?"). And if you observe here comparison not between SBI cards vs YES cards but only within YES cards.

So, if one find ideal use cases with SBI then definitely recommended SBI. YES cards more or like rewards cards and not comparable with cashback cards. Again, I'm not saying you can get variable rate in this bank but it is what it is (4.5% max).

Since, anyway you asked. sample example (note: both cards are 900 fee cards)

On 3L spends in first year =

1.5L spends online
1L spends special
0.5L spends offline

Marquee net return = 3.8%

SBI CB net return = 7500 + 0 + 500 = 2.67%

I agree that
- SBI has more offers than YES

But, YES Marquee is a premium card whereas SBI CB is basic card. The difference usually observed with lifestyle benefits, one who went for Infinia not looking for cashback because that provides only 1% return whereas SBI CB gives 5%, it all about other benefits these cards provides.

Movies - 36 free tickets on BMS (thats 50% extra discount SBI CB not provide on BMS)
Domestic - Agree.. not unlimited but it gives 32 lounges in a year for domestic, I belive that is enough to be considered as unlimited.
International - Unlimited
Forex - 1.18% vs SBI CB 4.13% (beneficial for those who transact international purchases)

There is no denying that if one can spend upto 1L only on online shopping then SBI CB, undoubtly the best - it gives 5%.

But, consider that some people spend more than 1L in a month (as mentioned earlier their lifestyle need stepup), and some spends offline, special categories.. then SBI CB not upto the point.

Finally, I'm not saying this is the best card available now but do not compare cashback card with rewards card or with lifestyle card. Cashbacks are basic cards easily available for many whereas premium cards those who want to take further step.

That's not how you compare cards. The main moot of both cards is for online spending only, so don't compare it for offline spending and special MCC spending. Most people will have other cards to better optimise for other spending already. Also premium cards are just a perception and a marketing jargon, so don't go by their marketing that if something is a premium card then it has to be good. Compare more objectively.

The real gap that SBI CB/Yes Marquee/Yes Reserv really fills in is for the non accelerated spending (for which GV doesn't exist on Gyftr). And the apples-to apples comparison competitor to these cards should be Axis Atlas. Atlas still finds value for offline spending - will continue to give 4%. So only and only for online non accelerated spending, I was thinking is there still a usecase of Yes Marquee being better than SBI CB? The only thing really is the caps, SBI CB would give CB only upto 1L spends. Yes Marquee/Reserv have a higher cap. So upto 1L "non accelerated online spends", is it no brainer that SBI CB more than trumps Marquee/Reserv? And only if someone consistently has >1L non accelerated online spends, only then Marquee/Reserv would make sense?

Btw - Mind you, 1L is already quite high just for non accelerated online spends (given that most often abused MCC are excluded already, and that's a really good step from Yes Bank as well). Most people who have high spends would be having large chunk of them on amazon etc where GVs exist already, and Yes bank cards would be way suboptimal over there.

For fx spends I agree, Marquee definitely is a very good option and outweighs SBI CB anyday. But for me, fx spends aren't a majority of my expenses each month.