Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
OneCard Metal Credit Card vs YES BANK Marquee Credit Card for ₹75,000 Monthly Spend
Comparing OneCard Metal Credit Card vs YES BANK Marquee Credit Card at ₹75,000/month. YES BANK Marquee Credit Card wins, delivering ₹20,943 net annual value (2.33% ROI) vs ₹5,526 for OneCard Metal Credit Card.
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Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹75,000(₹9,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹75,000/mo+ ₹15,418/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹20,944 net annual returns (2.33% ROI) vs ₹5,526 on OneCard Metal Credit Card.
Card A
OneCard Metal Credit Card
Federal Bank
₹5,526Net Annual Benefit
Gross Rewards:₹5,526/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
Card B
YES BANK Marquee Credit Card
YES BANK
₹20,944Net Annual Benefit
Gross Rewards:₹26,843/yr
Effective Fee (incl. GST):₹5,899
Net ROI on Spend:2.33%
Fee Waiver Progress (10L target):90%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹9,000/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 ₹9,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹75,000/mo)
| Spend Category | Monthly Spend | OneCard Metal Credit Card | YES BANK Marquee Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹18,750/mo | ₹188 (1%) | ₹844 (4.5%) |
| Scan & Pay Merchant UPI | ₹11,250/mo | ₹23 (0.2%) | ₹253 (2.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹9,000/mo | ₹18 (0.2%) | ₹90 (1%) |
| Swiggy, Zomato & Dining Out | ₹9,000/mo | ₹90 (1%) | ₹405 (4.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹7,500/mo | ₹75 (1%) | ₹338 (4.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver up to ₹400/month | ₹6,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹6,000/mo | ₹60 (1%) | ₹270 (4.5%) |
| LIC, Health & Term Insurance Premiums | ₹3,750/mo | ₹8 (0.2%) | ₹38 (1%) |
| House Rent & School/College Fees | ₹3,750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsLow 1% forex markup fee on foreign currency transactions | ₹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 | ₹9,00,000/yr | +₹5,526 | +₹20,943 |
Frequently Asked Questions
Which card is better between OneCard Metal Credit Card and YES BANK Marquee Credit Card for ₹75,000/month?▼
At ₹75,000/month (₹900,000/year), YES BANK Marquee Credit Card mathematically outperforms OneCard Metal Credit Card by ₹15,417/year. YES BANK Marquee Credit Card delivers ₹20,943 net annual benefit (2.33% effective yield), while OneCard Metal Credit Card returns ₹5,526 (0.61% effective yield).
Will the annual fee be waived at ₹75,000 monthly spend?▼
On an annual spend of ₹900,000: OneCard Metal 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, OneCard Metal Credit Card loses ₹0/year to monthly cashback caps, while YES BANK Marquee Credit Card loses ₹0/year. OneCard Metal Credit Card remains uncapped at this spend. YES BANK Marquee Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between OneCard Metal Credit Card and YES BANK Marquee Credit Card?▼
The calculated crossover breakeven spend is ₹21,000/month, where higher-fee benefits overtake the lower-fee option.