Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs IDFC FIRST Wealth Credit Card for ₹30,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs IDFC FIRST Wealth Credit Card at ₹30,000/month. IDFC FIRST Wealth Credit Card wins, delivering ₹5,454 net annual value (1.52% ROI) vs ₹4,838 for YES BANK Marquee 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.
₹30,000(₹3,60,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹30,000/mo+ ₹616/yr Higher Value
IDFC FIRST Wealth Credit Card
Delivers ₹5,454 net annual returns (1.52% ROI) vs ₹4,838 on YES BANK Marquee Credit Card.
Card A
YES BANK Marquee Credit Card
YES BANK
₹4,838Net Annual Benefit
Gross Rewards:₹10,737/yr
Effective Fee (incl. GST):₹5,899
Net ROI on Spend:1.34%
Fee Waiver Progress (10L target):36%
Card B
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
₹5,454Net Annual Benefit
Gross Rewards:₹5,454/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.52%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,600/year Extra YieldPair IDFC FIRST Wealth Credit Card + HSBC Live+ Credit Card
Pair IDFC FIRST Wealth Credit Card with HSBC Live+ Credit Card to capture up to ₹3,600/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹30,000/mo)
| Spend Category | Monthly Spend | YES BANK Marquee Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹7,500/mo | ₹338 (4.5%) | ₹188 (2.5%) |
| Scan & Pay Merchant UPI | ₹4,500/mo | ₹101 (2.25%) | ₹34 (0.75%) |
| Electricity, Water, Gas & Broadband Bills | ₹3,600/mo | ₹36 (1%) | ₹27 (0.75%) |
| Swiggy, Zomato & Dining Out | ₹3,600/mo | ₹162 (4.5%) | ₹90 (2.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹3,000/mo | ₹135 (4.5%) | ₹45 (1.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹2,400/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹2,400/mo | ₹108 (4.5%) | ₹60 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹1,500/mo | ₹15 (1%) | ₹11 (0.75%) |
| House Rent & School/College Fees1% fee applies on rental spends | ₹1,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsUltra-low 1.0% foreign currency markup fee | ₹0/mo | ₹0 (4.5%) | ₹0 (2.5%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹3,60,000/yr | +₹4,838 | +₹5,454 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and IDFC FIRST Wealth Credit Card for ₹30,000/month?▼
At ₹30,000/month (₹360,000/year), IDFC FIRST Wealth Credit Card mathematically outperforms YES BANK Marquee Credit Card by ₹616/year. IDFC FIRST Wealth Credit Card delivers ₹5,454 net annual benefit (1.52% effective yield), while YES BANK Marquee Credit Card returns ₹4,838 (1.34% effective yield).
Will the annual fee be waived at ₹30,000 monthly spend?▼
On an annual spend of ₹360,000: YES BANK Marquee Credit Card annual fee is payable at ₹5,899 (incl. 18% GST). IDFC FIRST Wealth Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, YES BANK Marquee Credit Card loses ₹0/year to monthly cashback caps, while IDFC FIRST Wealth Credit Card loses ₹0/year. YES BANK Marquee Credit Card remains uncapped at this spend. IDFC FIRST Wealth Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between YES BANK Marquee Credit Card and IDFC FIRST Wealth Credit Card?▼
The calculated crossover breakeven spend is ₹34,000/month, where higher-fee benefits overtake the lower-fee option.