Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
ICICI Bank Sapphiro Credit Card vs YES BANK Marquee Credit Card for ₹150,000 Monthly Spend
Comparing ICICI Bank Sapphiro 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 ₹7,785 for ICICI Bank Sapphiro 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+ ₹45,900/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹53,685 net annual returns (2.98% ROI) vs ₹7,785 on ICICI Bank Sapphiro Credit Card.
Card A
ICICI Bank Sapphiro Credit Card
ICICI Bank
₹7,785Net Annual Benefit
Gross Rewards:₹7,785/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.43%
Fee Waiver Progress (6L target):100%
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 | ICICI Bank Sapphiro Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹188 (0.5%) | ₹1,688 (4.5%) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹113 (0.5%) | ₹506 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹18,000/mo | ₹45 (0.25%) | ₹180 (1%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹90 (0.5%) | ₹810 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹75 (0.5%) | ₹675 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions up to ₹4,000 | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹120 (1%) | ₹540 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | ₹19 (0.25%) | ₹75 (1%) |
| House Rent & School/College Fees1% fee applies on rental transactions; 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 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 | +₹7,785 | +₹53,685 |
Frequently Asked Questions
Which card is better between ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card by ₹45,900/year. YES BANK Marquee Credit Card delivers ₹53,685 net annual benefit (2.98% effective yield), while ICICI Bank Sapphiro Credit Card returns ₹7,785 (0.43% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: ICICI Bank Sapphiro 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, ICICI Bank Sapphiro Credit Card loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. ICICI Bank Sapphiro Credit Card remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between ICICI Bank Sapphiro Credit Card and YES BANK Marquee Credit Card?▼
The calculated crossover breakeven spend is ₹6,000/month, where higher-fee benefits overtake the lower-fee option.