Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs Standard Chartered Smart Credit Card for ₹100,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs Standard Chartered Smart Credit Card at ₹100,000/month. YES BANK Marquee Credit Card wins, delivering ₹35,790 net annual value (2.98% ROI) vs ₹15,240 for Standard Chartered Smart Credit Card.
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Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹20,550/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹35,790 net annual returns (2.98% ROI) vs ₹15,240 on Standard Chartered Smart Credit Card.
Card A
YES BANK Marquee Credit Card
YES BANK
₹35,790Net Annual Benefit
Gross Rewards:₹35,790/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.98%
Fee Waiver Progress (10L target):100%
Card B
Standard Chartered Smart Credit Card
Standard Chartered Bank
₹15,240Net Annual Benefit
Gross Rewards:₹15,240/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.27%
Fee Waiver Progress (1.2L target):100%
⚠️ Hits monthly cashback caps: -₹1,200/yr lost
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/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 ₹12,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | YES BANK Marquee Credit Card | Standard Chartered Smart Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹1,125 (4.5%) | ₹455 (Capped) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹338 (2.25%) | ₹150 (1%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹120 (1%) | ₹120 (1%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹540 (4.5%) | ₹218 (Capped) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹450 (4.5%) | ₹182 (Capped) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000/mo | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹360 (4.5%) | ₹145 (Capped) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | ₹50 (1%) | 0% Excluded |
| House Rent & School/College Fees1% fee applies on rental spends | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsUltra-low 1.0% foreign currency markup fee | ₹0/mo | ₹0 (4.5%) | ₹0 (2%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹35,790 | +₹15,240 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and Standard Chartered Smart Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), YES BANK Marquee Credit Card mathematically outperforms Standard Chartered Smart Credit Card by ₹20,550/year. YES BANK Marquee Credit Card delivers ₹35,790 net annual benefit (2.98% effective yield), while Standard Chartered Smart Credit Card returns ₹15,240 (1.27% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: YES BANK Marquee Credit Card annual fee is waived (₹0). Standard Chartered Smart 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 Standard Chartered Smart Credit Card loses ₹1,200/year. YES BANK Marquee Credit Card remains uncapped at this spend. Capped categories on Standard Chartered Smart Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out, Blinkit, Zepto, Instamart & Supermarkets, Flights, Hotels & IRCTC Trains.
What is the breakeven monthly spend between YES BANK Marquee Credit Card and Standard Chartered Smart Credit Card?▼
The calculated crossover breakeven spend is ₹31,000/month, where higher-fee benefits overtake the lower-fee option.