Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Jupiter Edge CSB Bank RuPay Credit Card vs YES BANK Marquee Credit Card for ₹200,000 Monthly Spend
Comparing Jupiter Edge CSB Bank RuPay Credit Card vs YES BANK Marquee Credit Card at ₹200,000/month. YES BANK Marquee Credit Card wins, delivering ₹71,580 net annual value (2.98% ROI) vs ₹15,552 for Jupiter Edge CSB Bank RuPay 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.
₹2,00,000(₹24,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹2,00,000/mo+ ₹56,028/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹71,580 net annual returns (2.98% ROI) vs ₹15,552 on Jupiter Edge CSB Bank RuPay Credit Card.
Card A
Jupiter Edge CSB Bank RuPay Credit Card
CSB Bank
₹15,552Net Annual Benefit
Gross Rewards:₹15,552/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.65%
⚠️ Hits monthly cashback caps: -₹9,600/yr lost
Card B
YES BANK Marquee Credit Card
YES BANK
₹71,580Net Annual Benefit
Gross Rewards:₹71,580/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
+₹24,000/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 ₹24,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹2,00,000/mo)
| Spend Category | Monthly Spend | Jupiter Edge CSB Bank RuPay Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹50,000/mo | ₹556 (Capped) | ₹2,250 (4.5%) |
| Scan & Pay Merchant UPI | ₹30,000/mo | ₹120 (0.4%) | ₹675 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹24,000/mo | ₹96 (0.4%) | ₹240 (1%) |
| Swiggy, Zomato & Dining Out | ₹24,000/mo | ₹267 (Capped) | ₹1,080 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹20,000/mo | ₹80 (0.4%) | ₹900 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver up to ₹100/mo | ₹16,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹16,000/mo | ₹178 (Capped) | ₹720 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹10,000/mo | 0% Excluded | ₹100 (1%) |
| House Rent & School/College FeesZero rewards on rent and education fees | ₹10,000/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 | ₹24,00,000/yr | +₹15,552 | +₹71,580 |
Frequently Asked Questions
Which card is better between Jupiter Edge CSB Bank RuPay Credit Card and YES BANK Marquee Credit Card for ₹200,000/month?▼
At ₹200,000/month (₹2,400,000/year), YES BANK Marquee Credit Card mathematically outperforms Jupiter Edge CSB Bank RuPay Credit Card by ₹56,028/year. YES BANK Marquee Credit Card delivers ₹71,580 net annual benefit (2.98% effective yield), while Jupiter Edge CSB Bank RuPay Credit Card returns ₹15,552 (0.65% effective yield).
Will the annual fee be waived at ₹200,000 monthly spend?▼
On an annual spend of ₹2,400,000: Jupiter Edge CSB Bank RuPay 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, Jupiter Edge CSB Bank RuPay Credit Card loses ₹9,600/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. Capped categories on Jupiter Edge CSB Bank RuPay Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out, Flights, Hotels & IRCTC Trains. 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.