Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Jupiter Edge CSB Bank RuPay Credit Card vs YES BANK Marquee Credit Card for ₹15,000 Monthly Spend
Comparing Jupiter Edge CSB Bank RuPay Credit Card vs YES BANK Marquee Credit Card at ₹15,000/month. Jupiter Edge CSB Bank RuPay Credit Card wins, delivering ₹1,886 net annual value (1.05% ROI) vs ₹-531 for YES BANK Marquee Credit Card.
Interactive Head-to-Head Simulator
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Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹2,416/yr Higher Value
Jupiter Edge CSB Bank RuPay Credit Card
Delivers ₹1,886 net annual returns (1.05% ROI) vs -₹530 on YES BANK Marquee Credit Card.
Card A
Jupiter Edge CSB Bank RuPay Credit Card
CSB Bank
₹1,886Net Annual Benefit
Gross Rewards:₹1,886/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.05%
Card B
YES BANK Marquee Credit Card
YES BANK
-₹530Net Annual Benefit
Gross Rewards:₹5,369/yr
Effective Fee (incl. GST):₹5,899
Net ROI on Spend:-0.29%
Fee Waiver Progress (10L target):18%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair Jupiter Edge CSB Bank RuPay Credit Card + Tata Neu Infinity HDFC Credit Card
Pair Jupiter Edge CSB Bank RuPay Credit Card with Tata Neu Infinity HDFC Credit Card to capture up to ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:LIC, Health & Term Insurance Premiums
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Jupiter Edge CSB Bank RuPay Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹75 (2%) | ₹169 (4.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹9 (0.4%) | ₹51 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹7 (0.4%) | ₹18 (1%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹36 (2%) | ₹81 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹6 (0.4%) | ₹68 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver up to ₹100/mo | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹24 (2%) | ₹54 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹8 (1%) |
| House Rent & School/College FeesZero rewards on rent and education fees | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.4%) | ₹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 | ₹1,80,000/yr | +₹1,886 | +-₹531 |
Frequently Asked Questions
Which card is better between Jupiter Edge CSB Bank RuPay Credit Card and YES BANK Marquee Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Jupiter Edge CSB Bank RuPay Credit Card mathematically outperforms YES BANK Marquee Credit Card by ₹2,417/year. Jupiter Edge CSB Bank RuPay Credit Card delivers ₹1,886 net annual benefit (1.05% effective yield), while YES BANK Marquee Credit Card returns ₹-531 (-0.29% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: Jupiter Edge CSB Bank RuPay Credit Card annual fee is waived (₹0). YES BANK Marquee Credit Card annual fee is payable at ₹5,899 (incl. 18% GST).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Jupiter Edge CSB Bank RuPay Credit Card loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. Jupiter Edge CSB Bank RuPay Credit Card remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Jupiter Edge CSB Bank RuPay Credit Card and YES BANK Marquee Credit Card?▼
The calculated crossover breakeven spend is ₹26,000/month, where higher-fee benefits overtake the lower-fee option.