Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
YES BANK Marquee Credit Card vs Standard Chartered Smart Credit Card for ₹200,000 Monthly Spend
Comparing YES BANK Marquee Credit Card vs Standard Chartered Smart Credit Card at ₹200,000/month. YES BANK Marquee Credit Card wins, delivering ₹71,580 net annual value (2.98% ROI) vs ₹18,480 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.
₹2,00,000(₹24,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹2,00,000/mo+ ₹53,100/yr Higher Value
YES BANK Marquee Credit Card
Delivers ₹71,580 net annual returns (2.98% ROI) vs ₹18,480 on Standard Chartered Smart 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
Standard Chartered Smart Credit Card
Standard Chartered Bank
₹18,480Net Annual Benefit
Gross Rewards:₹18,480/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.77%
Fee Waiver Progress (1.2L target):100%
⚠️ Hits monthly cashback caps: -₹14,400/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 | Standard Chartered Smart Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹50,000/mo | ₹2,250 (4.5%) | ₹455 (Capped) |
| Scan & Pay Merchant UPI | ₹30,000/mo | ₹675 (2.25%) | ₹300 (1%) |
| Electricity, Water, Gas & Broadband Bills | ₹24,000/mo | ₹240 (1%) | ₹240 (1%) |
| Swiggy, Zomato & Dining Out | ₹24,000/mo | ₹1,080 (4.5%) | ₹218 (Capped) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹20,000/mo | ₹900 (4.5%) | ₹182 (Capped) |
| 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%) | ₹145 (Capped) |
| 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 (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 | ₹24,00,000/yr | +₹71,580 | +₹18,480 |
Frequently Asked Questions
Which card is better between YES BANK Marquee Credit Card and Standard Chartered Smart Credit Card for ₹200,000/month?▼
At ₹200,000/month (₹2,400,000/year), YES BANK Marquee Credit Card mathematically outperforms Standard Chartered Smart Credit Card by ₹53,100/year. YES BANK Marquee Credit Card delivers ₹71,580 net annual benefit (2.98% effective yield), while Standard Chartered Smart Credit Card returns ₹18,480 (0.77% 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). 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 ₹14,400/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.