Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Axis Bank Magnus Credit Card vs YES BANK Marquee Credit Card for ₹150,000 Monthly Spend
Comparing Axis Bank Magnus Credit Card vs YES BANK Marquee Credit Card at ₹150,000/month. YES BANK Marquee Credit Card wins, delivering ₹53,685 net annual value (2.98% ROI) vs ₹29,314 for Axis Bank Magnus Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,50,000(₹18,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,50,000/mo+ ₹24,371/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹53,685 net annual returns (2.98% ROI) vs ₹29,314 on Axis Bank Magnus Credit Card.
Card A
Axis Bank Magnus Credit Card
Axis Bank
₹29,314Net Annual Benefit
Gross Rewards:₹44,064/yr
Effective Fee (incl. GST):₹14,750
Net ROI on Spend:1.63%
Fee Waiver Progress (25L target):72%
Card B
YES BANK Marquee Credit Card
YES BANK
₹53,685Net Annual Benefit
Gross Rewards:₹53,685/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.98%
Fee Waiver Progress (10L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹18,000/year Extra YieldPair YES BANK Marquee Credit Card + Airtel Axis Bank Credit Card
Pair YES BANK Marquee Credit Card with Airtel Axis Bank Credit Card to capture up to ₹18,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,50,000/mo)
| Spend Category | Monthly Spend | Axis Bank Magnus Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹900 (2.4%) | ₹1,688 (4.5%) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹540 (2.4%) | ₹506 (2.25%) |
| Electricity, Water, Gas & Broadband BillsUtilities and insurance excluded from reward points | ₹18,000/mo | 0% Excluded | ₹180 (1%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹432 (2.4%) | ₹810 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹360 (2.4%) | ₹675 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, capped at ₹400/mo | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹1,440 (12%) | ₹540 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | 0% Excluded | ₹75 (1%) |
| House Rent & School/College Fees1% fee + 18% GST on rent; zero reward points earned | ₹7,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (2.4%) | ₹0 (4.5%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹18,00,000/yr | +₹29,314 | +₹53,685 |
Frequently Asked Questions
Which card is better between Axis Bank Magnus Credit Card and YES BANK Marquee Credit Card for ₹150,000/month?▼
At ₹150,000/month (₹1,800,000/year), YES BANK Marquee Credit Card mathematically outperforms Axis Bank Magnus Credit Card by ₹24,371/year. YES BANK Marquee Credit Card delivers ₹53,685 net annual benefit (2.98% effective yield), while Axis Bank Magnus Credit Card returns ₹29,314 (1.63% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: Axis Bank Magnus Credit Card annual fee is payable at ₹14,750 (incl. 18% GST). YES BANK Marquee Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Axis Bank Magnus Credit Card loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. Axis Bank Magnus Credit Card remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Axis Bank Magnus Credit Card and YES BANK Marquee Credit Card?▼
YES BANK Marquee Credit Card maintains superior net value across all standard monthly spend brackets between ₹15,000 and ₹2,00,000.