Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Amazon Pay ICICI Bank Credit Card vs YES BANK Marquee Credit Card for ₹150,000 Monthly Spend
Comparing Amazon Pay ICICI Bank 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 ₹38,160 for Amazon Pay ICICI Bank 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+ ₹15,525/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹53,685 net annual returns (2.98% ROI) vs ₹38,160 on Amazon Pay ICICI Bank Credit Card.
Card A
Amazon Pay ICICI Bank Credit Card
ICICI Bank
₹38,160Net Annual Benefit
Gross Rewards:₹38,160/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.12%
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 | Amazon Pay ICICI Bank Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹1,875 (5%) | ₹1,688 (4.5%) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹225 (1%) | ₹506 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹18,000/mo | ₹360 (2%) | ₹180 (1%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹180 (1%) | ₹810 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹150 (1%) | ₹675 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on all petrol pumps for transactions up to ₹4,000; max ₹150/mo | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹240 (2%) | ₹540 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | ₹150 (2%) | ₹75 (1%) |
| House Rent & School/College FeesRent payments attract 1% fee; zero reward points earned | ₹7,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (4.5%) |
| Gold, Silver & Jewelry PurchasesPurchases of gold, silver, and jewelry are excluded from reward points | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹18,00,000/yr | +₹38,160 | +₹53,685 |
Frequently Asked Questions
Which card is better between Amazon Pay ICICI Bank 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 Amazon Pay ICICI Bank Credit Card by ₹15,525/year. YES BANK Marquee Credit Card delivers ₹53,685 net annual benefit (2.98% effective yield), while Amazon Pay ICICI Bank Credit Card returns ₹38,160 (2.12% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: Amazon Pay ICICI Bank Credit Card annual fee is waived (₹0). YES BANK Marquee Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Amazon Pay ICICI Bank Credit Card loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. Amazon Pay ICICI Bank Credit Card remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Amazon Pay ICICI Bank Credit Card and YES BANK Marquee Credit Card?▼
The calculated crossover breakeven spend is ₹57,000/month, where higher-fee benefits overtake the lower-fee option.