Yes Bank Marquee vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Standard Chartered Ultimate wins 5-4. Best general earn-rate at the ₹5K fee tier. Yes Bank Marquee is still the right call if high spenders who travel abroad: a 1% forex markup and unlimited international lounge access..
Side-by-side
| Criterion | Yes Bank Marquee | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | ₹4,999 | · ₹5,000 |
| Joining fee | · ₹9,999 | ₹5,000 |
| Top reward rate | 4.5% (shopping) | · 3.3% (general) |
| Base reward rate | · 2.25% | 3.3% |
| Forex markup | 1% | · 3.5% |
| Welcome bonus | = 40,000 YES Rewardz points as a joining benefit | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | ₹10,00,000 / yr | · ₹15,00,000 / yr |
| Min income | · ₹36,00,000 | ₹15,00,000 |
| Min credit score | · N/A | 780 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Yes Bank Marquee
- 36 YES Rewardz points per ₹200 online, 18 per ₹200 offline, 10 per ₹200 on select categories
- 1 point = ₹0.25 on flights and hotels, ₹0.15 as gift vouchers, ₹0.10 as statement credit
- Foreign currency markup 1%
- Unlimited international lounge access and 6 domestic lounge visits a quarter, for primary and add-on cards
- 20,000 bonus points on paying the renewal fee
- Renewal fee waived on ₹10,00,000 retail spend in a year
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›Yes Bank Marquee vs Standard Chartered Ultimate: which is better?
Standard Chartered Ultimate wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Yes Bank Marquee for its best categories, Standard Chartered Ultimate for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Yes Bank Marquee: 40,000 YES Rewardz points as a joining benefit. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.