Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Kiwi RuPay Credit Card with Neon vs YES BANK Marquee Credit Card for ₹15,000 Monthly Spend
Comparing Kiwi RuPay Credit Card with Neon vs YES BANK Marquee Credit Card at ₹15,000/month. Kiwi RuPay Credit Card with Neon wins, delivering ₹2,142 net annual value (1.19% ROI) vs ₹-531 for YES BANK Marquee Credit Card.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹2,672/yr Higher Value
Kiwi RuPay Credit Card with Neon
Delivers ₹2,142 net annual returns (1.19% ROI) vs -₹530 on YES BANK Marquee Credit Card.
Card A
Kiwi RuPay Credit Card with Neon
Axis Bank
₹2,142Net Annual Benefit
Gross Rewards:₹2,142/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.19%
Fee Waiver Progress (1.5L target):100%
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 Kiwi RuPay Credit Card with Neon + SBI Cashback Credit Card
Pair Kiwi RuPay Credit Card with Neon with SBI Cashback Credit Card to capture up to ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Kiwi RuPay Credit Card with Neon | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹38 (1%) | ₹169 (4.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹45 (2%) | ₹51 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹18 (1%) | ₹18 (1%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹36 (2%) | ₹81 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹30 (2%) | ₹68 (4.5%) |
| Petrol & Diesel at Fuel StationsFuel transactions excluded from cashback | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹12 (1%) | ₹54 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹8 (1%) |
| House Rent & School/College FeesRent and wallet loads excluded from Kiwis rewards | ₹750/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 | ₹1,80,000/yr | +₹2,142 | +-₹531 |
Frequently Asked Questions
Which card is better between Kiwi RuPay Credit Card with Neon and YES BANK Marquee Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Kiwi RuPay Credit Card with Neon mathematically outperforms YES BANK Marquee Credit Card by ₹2,673/year. Kiwi RuPay Credit Card with Neon delivers ₹2,142 net annual benefit (1.19% 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: Kiwi RuPay Credit Card with Neon 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, Kiwi RuPay Credit Card with Neon loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. Kiwi RuPay Credit Card with Neon remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Kiwi RuPay Credit Card with Neon and YES BANK Marquee Credit Card?▼
The calculated crossover breakeven spend is ₹28,000/month, where higher-fee benefits overtake the lower-fee option.