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Standard Chartered Ultimate Credit Card vs YES Bank Marquee Credit Card
On net annual value, YES Bank Marquee comes out ahead for everyday spenders, online shoppers and frequent travellers (by up to ₹4,910 a year), and Standard Chartered Ultimate for high spenders (by ₹4,057 a year). Standard Chartered Ultimate lists a lower income floor, ₹2,00,000 a month against ₹3,00,000. YES Bank Marquee offers unlimited international lounge access and charges 1% on foreign-currency spend against 2%. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | Standard Chartered Ultimate Credit Card | YES Bank Marquee Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹14,710/yr | ₹16,440/yr✓ +₹1,730/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹23,980/yr | ₹28,890/yr✓ +₹4,910/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹42,118/yr | ₹42,859/yr✓ +₹741/yr |
High spender ≈ ₹2.5L/mo across every category | ₹84,716/yr✓ +₹4,057/yr | ₹80,659/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | Standard Chartered Ultimate Credit CardStandard Chartered Reward Points | YES Bank Marquee Credit CardYES Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.10 |
| Gift vouchers | ₹0.25BEST | ₹0.15 |
| Travel portal | — | ₹0.25BEST |
| Airline / hotel transfer | — | ₹0.1010:1 |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| Standard Chartered Ultimate Credit Card | YES Bank Marquee Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹5,000 | ₹9,999 |
| Annual fee | ₹5,000/yr | ₹4,999/yr ✓ |
| Annual fee — all-in (incl. 18% GST) | ₹5,900 | ₹5,899 ✓ |
| Fee waiver at | — | ₹10,00,000/yr spend |
| Welcome benefit | ~₹6,000 | ~₹10,000 |
| Rewards | ||
| Best everyday reward | 3.33% on everyday spends | 4.5% on Online Shopping ✓ |
| Education | 2% | — |
| Government & Tax | 2% | — |
| Groceries | 2% | 2.25% ✓ |
| Insurance | 2% | — |
| Online Shopping | 3.33% | 4.5% ✓ |
| Base rate — other spends | 3.33% ✓ | 2.25% |
| OTT & Entertainment | 3.33% ✓ | 1.25% |
| Rent | 2% | — |
| Utility Bills | 2% ✓ | 1.25% |
| Charges | ||
| Forex markup | 2% | 1% ✓ |
| Finance charge | 3.75% p.m. | 2.99% p.m. |
| Cash advance | 3% | — |
| Add-on card | — | — |
| Perks | ||
| cobranded ott | — | ~₹3,199/yr · Complimentary annual ET Prime subscription, redeemed via the YES Bank benefits portal |
| concierge | — | ✓ · 24x7 lifestyle concierge with bespoke travel and dining services |
| fuel waiver | — | ~₹1,000/yr · 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹1,000 per statement cycle (eff. 15-Jun-2026) |
| golf | ~₹8,000/yr · 1 complimentary golf game + 1 coaching session per month (12 games + 12 lessons a year) at listed domestic courses via Golflan/Thriwe; 4-day advance booking, no walk-ins or direct club payment, convenience charges payable. | ~₹8,000/yr · One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses |
| insurance | ~₹3,000/yr · ₹1 crore air-accident cover (overseas air travel, primary cardholder, fare paid on the card) + USD 25,000 emergency medical, USD 750 baggage loss, USD 200 flight delay, USD 100 baggage delay and USD 100 hijacking cover; underwritten by HDFC ERGO. | — |
| lounge access | ~₹20,000/yr · 4 domestic visits per quarter (network lounge programme) + 1 international Priority Pass visit per month, gated on ₹20,000 spend in the previous month (primary and supplementary each). Extra PP visits chargeable — SC's FAQ says USD 27, its T&C up to USD 35; domestic PP use chargeable. | ~₹24,000/yr · Unlimited international lounge access (not spend-gated) plus 6 domestic visits per quarter, domestic unlocked by ₹1 lakh spend in the prior calendar quarter; 4 international + 2 domestic guest visits a year |
| milestone bonus | ~₹5,000/yr · 5,000 reward points credited (within 60 days) on payment of the ₹5,000 renewal fee from the second year — not credited if the fee is converted to EMI. | — |
| movie ticket | — | ~₹15,000/yr · Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less) |
| Eligibility | ||
| Min income | ₹2,00,000/mo ✓ | ₹3,00,000/mo |
| Min age | 21+ yrs | 21+ yrs |
| UPI linked | — | — |
| Expert rating | 4.6 / 5 ✓ | 4.0 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the Standard Chartered Ultimate Credit Card if you want strong rewards on everyday spends. Consider the YES Bank Marquee Credit Card if you spend more on online shopping and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
Standard Chartered Ultimate Credit Card vs YES Bank Marquee Credit Card — FAQs
Which has a lower annual fee, Standard Chartered Ultimate Credit Card or YES Bank Marquee Credit Card?
As of 11 Oct 2026, YES Bank Marquee has the lower annual fee: ₹4,999 (₹5,899 with 18% GST), against ₹5,000 (₹5,900 with 18% GST) on Standard Chartered Ultimate. YES Bank Marquee waives its fee after ₹10,00,000 of spend in a card year; Standard Chartered Ultimate has no spend-based waiver. YES Bank Marquee charges ₹9,999 to join.
Do Standard Chartered Ultimate Credit Card and YES Bank Marquee Credit Card offer airport lounge access?
As of 11 Oct 2026, Standard Chartered Ultimate and YES Bank Marquee both include airport lounge access, on different terms. Standard Chartered Ultimate lists 4 domestic visits a quarter and 1 international visit a month at airport lounges, unlocked by ₹20,000 of spend in the previous month. YES Bank Marquee lists 6 domestic visits a quarter and unlimited international access at airport lounges, with the domestic visits unlocked by ₹1,00,000 of spend in the previous quarter.
Which card has lower forex markup, Standard Chartered Ultimate Credit Card or YES Bank Marquee Credit Card?
As of 11 Oct 2026, YES Bank Marquee has the lower forex markup: 1%, against 2% on Standard Chartered Ultimate. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹1,180 extra on YES Bank Marquee and ₹2,360 on Standard Chartered Ultimate, a ₹1,180 difference.
For a frequent traveller, is the Standard Chartered Ultimate Credit Card or YES Bank Marquee Credit Card better value?
On figures as of 11 Oct 2026, YES Bank Marquee comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹42,859 against ₹42,118 on Standard Chartered Ultimate, a ₹741 gap. That figure includes the forex markup on this traveller's spend abroad, where YES Bank Marquee charges 1% against 2% on Standard Chartered Ultimate.
For everyday spending, which returns more: Standard Chartered Ultimate Credit Card or YES Bank Marquee Credit Card?
On figures as of 11 Oct 2026, YES Bank Marquee comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹16,440 against ₹14,710 on Standard Chartered Ultimate, a ₹1,730 gap. Best everyday rates: 3.33% on everyday spends for Standard Chartered Ultimate, 4.5% on online shopping for YES Bank Marquee.
Which is better, Standard Chartered Ultimate Credit Card or YES Bank Marquee Credit Card?
As of 11 Oct 2026, Standard Chartered Ultimate earns 3.33% on everyday spends at best, paid as Standard Chartered Reward Points, and YES Bank Marquee earns 4.5% on online shopping at best, paid as YES Reward Points. Standard Chartered Ultimate comes out ahead on net annual value for high spenders, and YES Bank Marquee for everyday spenders, online shoppers and frequent travellers. Standard Chartered Ultimate lists a lower income floor, ₹2,00,000 a month against ₹3,00,000.