Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs Myntra Kotak Credit Card for ₹15,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs Myntra Kotak Credit Card at ₹15,000/month. Myntra Kotak Credit Card wins, delivering ₹6,092 net annual value (3.38% 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+ ₹6,623/yr Higher Value
Myntra Kotak Credit Card
Delivers ₹6,093 net annual returns (3.38% ROI) vs -₹530 on YES BANK Marquee Credit Card.
Card A
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%
Card B
Myntra Kotak Credit Card
Kotak Mahindra Bank
₹6,093Net Annual Benefit
Gross Rewards:₹6,683/yr
Effective Fee (incl. GST):₹590
Net ROI on Spend:3.38%
Fee Waiver Progress (2L target):90%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair Myntra Kotak Credit Card + Airtel Axis Bank Credit Card
Pair Myntra Kotak Credit Card with Airtel Axis Bank 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 | YES BANK Marquee Credit Card | Myntra Kotak Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹169 (4.5%) | ₹281 (7.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹51 (2.25%) | ₹28 (1.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹18 (1%) | ₹23 (1.25%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹81 (4.5%) | ₹90 (5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹68 (4.5%) | ₹75 (5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹54 (4.5%) | ₹60 (5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | ₹8 (1%) | 0% Excluded |
| House Rent & School/College Fees1% fee applies on rental spends | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsUltra-low 1.0% foreign currency markup fee | ₹0/mo | ₹0 (4.5%) | ₹0 (1.25%) |
| 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 | +-₹531 | +₹6,092 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and Myntra Kotak Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Myntra Kotak Credit Card mathematically outperforms YES BANK Marquee Credit Card by ₹6,623/year. Myntra Kotak Credit Card delivers ₹6,092 net annual benefit (3.38% 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: YES BANK Marquee Credit Card annual fee is payable at ₹5,899 (incl. 18% GST). Myntra Kotak Credit Card annual fee is payable at ₹590 (incl. 18% GST).
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 Myntra Kotak Credit Card loses ₹0/year. YES BANK Marquee Credit Card remains uncapped at this spend. Myntra Kotak Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between YES BANK Marquee Credit Card and Myntra Kotak Credit Card?▼
The calculated crossover breakeven spend is ₹132,000/month, where higher-fee benefits overtake the lower-fee option.