Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs IndianOil RBL Bank Xtra Credit Card for ₹15,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs IndianOil RBL Bank Xtra Credit Card at ₹15,000/month. IndianOil RBL Bank Xtra Credit Card wins, delivering ₹390 net annual value (0.22% 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+ ₹920/yr Higher Value
IndianOil RBL Bank Xtra Credit Card
Delivers ₹390 net annual returns (0.22% 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
IndianOil RBL Bank Xtra Credit Card
RBL Bank
₹390Net Annual Benefit
Gross Rewards:₹2,160/yr
Effective Fee (incl. GST):₹1,770
Net ROI on Spend:0.22%
Fee Waiver Progress (2.75L target):65%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair IndianOil RBL Bank Xtra Credit Card + SBI Cashback Credit Card
Pair IndianOil RBL Bank Xtra Credit Card 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 | YES BANK Marquee Credit Card | IndianOil RBL Bank Xtra Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹169 (4.5%) | ₹19 (0.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹51 (2.25%) | ₹11 (0.5%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹18 (1%) | ₹9 (0.5%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹81 (4.5%) | ₹18 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹68 (4.5%) | ₹15 (1%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹1,200/mo | 0% Excluded | ₹102 (8.5%) |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹54 (4.5%) | ₹6 (0.5%) |
| 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 (0.5%) |
| 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 | +-₹531 | +₹390 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and IndianOil RBL Bank Xtra Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), IndianOil RBL Bank Xtra Credit Card mathematically outperforms YES BANK Marquee Credit Card by ₹921/year. IndianOil RBL Bank Xtra Credit Card delivers ₹390 net annual benefit (0.22% 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). IndianOil RBL Bank Xtra Credit Card annual fee is payable at ₹1,770 (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 IndianOil RBL Bank Xtra Credit Card loses ₹0/year. YES BANK Marquee Credit Card remains uncapped at this spend. IndianOil RBL Bank Xtra Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between YES BANK Marquee Credit Card and IndianOil RBL Bank Xtra Credit Card?▼
The calculated crossover breakeven spend is ₹20,000/month, where higher-fee benefits overtake the lower-fee option.