Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs Myntra Kotak Credit Card for ₹200,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs Myntra Kotak Credit Card at ₹200,000/month. YES BANK Marquee Credit Card wins, delivering ₹71,580 net annual value (2.98% ROI) vs ₹59,700 for Myntra Kotak Credit Card.
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₹2,00,000(₹24,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹2,00,000/mo+ ₹11,880/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹71,580 net annual returns (2.98% ROI) vs ₹59,700 on Myntra Kotak Credit Card.
Card A
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%
Card B
Myntra Kotak Credit Card
Kotak Mahindra Bank
₹59,700Net Annual Benefit
Gross Rewards:₹59,700/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.49%
Fee Waiver Progress (2L target):100%
⚠️ Hits monthly cashback caps: -₹29,400/yr lost
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 | YES BANK Marquee Credit Card | Myntra Kotak Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹50,000/mo | ₹2,250 (4.5%) | ₹1,500 (Capped) |
| Scan & Pay Merchant UPI | ₹30,000/mo | ₹675 (2.25%) | ₹375 (1.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹24,000/mo | ₹240 (1%) | ₹300 (1.25%) |
| Swiggy, Zomato & Dining Out | ₹24,000/mo | ₹1,080 (4.5%) | ₹1,000 (Capped) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹20,000/mo | ₹900 (4.5%) | ₹1,000 (5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹16,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹16,000/mo | ₹720 (4.5%) | ₹800 (5%) |
| LIC, Health & Term Insurance Premiums | ₹10,000/mo | ₹100 (1%) | 0% Excluded |
| House Rent & School/College Fees1% fee applies on rental spends | ₹10,000/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 | ₹24,00,000/yr | +₹71,580 | +₹59,700 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and Myntra Kotak Credit Card for ₹200,000/month?▼
At ₹200,000/month (₹2,400,000/year), YES BANK Marquee Credit Card mathematically outperforms Myntra Kotak Credit Card by ₹11,880/year. YES BANK Marquee Credit Card delivers ₹71,580 net annual benefit (2.98% effective yield), while Myntra Kotak Credit Card returns ₹59,700 (2.49% effective yield).
Will the annual fee be waived at ₹200,000 monthly spend?▼
On an annual spend of ₹2,400,000: YES BANK Marquee Credit Card annual fee is waived (₹0). Myntra Kotak 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 Myntra Kotak Credit Card loses ₹29,400/year. YES BANK Marquee Credit Card remains uncapped at this spend. Capped categories on Myntra Kotak Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out.
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.