Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs IndianOil RBL Bank Xtra Credit Card for ₹75,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs IndianOil RBL Bank Xtra Credit Card at ₹75,000/month. YES BANK Marquee Credit Card wins, delivering ₹20,943 net annual value (2.33% ROI) vs ₹10,800 for IndianOil RBL Bank Xtra Credit Card.
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₹75,000(₹9,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹75,000/mo+ ₹10,144/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹20,944 net annual returns (2.33% ROI) vs ₹10,800 on IndianOil RBL Bank Xtra Credit Card.
Card A
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%
Card B
IndianOil RBL Bank Xtra Credit Card
RBL Bank
₹10,800Net Annual Benefit
Gross Rewards:₹10,800/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.2%
Fee Waiver Progress (2.75L target):100%
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 | YES BANK Marquee Credit Card | IndianOil RBL Bank Xtra Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹18,750/mo | ₹844 (4.5%) | ₹94 (0.5%) |
| Scan & Pay Merchant UPI | ₹11,250/mo | ₹253 (2.25%) | ₹56 (0.5%) |
| Electricity, Water, Gas & Broadband Bills | ₹9,000/mo | ₹90 (1%) | ₹45 (0.5%) |
| Swiggy, Zomato & Dining Out | ₹9,000/mo | ₹405 (4.5%) | ₹90 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹7,500/mo | ₹338 (4.5%) | ₹75 (1%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹6,000/mo | 0% Excluded | ₹510 (8.5%) |
| Flights, Hotels & IRCTC Trains | ₹6,000/mo | ₹270 (4.5%) | ₹30 (0.5%) |
| LIC, Health & Term Insurance Premiums | ₹3,750/mo | ₹38 (1%) | 0% Excluded |
| House Rent & School/College Fees1% fee applies on rental spends | ₹3,750/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 | ₹9,00,000/yr | +₹20,943 | +₹10,800 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and IndianOil RBL Bank Xtra Credit Card for ₹75,000/month?▼
At ₹75,000/month (₹900,000/year), YES BANK Marquee Credit Card mathematically outperforms IndianOil RBL Bank Xtra Credit Card by ₹10,143/year. YES BANK Marquee Credit Card delivers ₹20,943 net annual benefit (2.33% effective yield), while IndianOil RBL Bank Xtra Credit Card returns ₹10,800 (1.2% effective yield).
Will the annual fee be waived at ₹75,000 monthly spend?▼
On an annual spend of ₹900,000: YES BANK Marquee Credit Card annual fee is payable at ₹5,899 (incl. 18% GST). IndianOil RBL Bank Xtra Credit Card annual fee is 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 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.