YES Bank Marquee vs Axis Atlas (2026)
4.5% back in ₹0.25 portal points vs 4% that becomes real miles — raw NAV says Marquee, every aspirational redemption says Atlas.
Head to head
| Metric | YES Bank Marquee | Axis Atlas |
|---|---|---|
| Our rank | #19 | #2 |
| Annual fee | ₹4,999 + GST | ₹5,000 + GST |
| Fee waiver | ₹10,00,000 spend | None |
| Forex markup | 1% + GST (DCC on INR-billed international transactions also 1%) | 3.5% + GST |
| APR | 2.99%/mo (35.88%/yr) — Marquee shares the YES Private premium tier; other YES cards pay 3.99%/mo | 3.75%/mo (55.55%/yr, compounded as quoted by Axis) |
| Effective reward rate | 2.3% | 4.0% |
| Currency | YES Rewardz (YES CC Rewardz) | Axis EDGE Miles |
| House value | ₹0.25/pt | ₹2.00/pt |
| Welcome benefit | 40,000 YES Rewardz points (₹10,000) on the ₹9,999 joining fee; 20,000 more each renewal | 2,500 EDGE Miles on the first transaction within 37 days |
| Lounge doors opened | 72 of 644 | 588 of 644 |
| Income — salaried | ~₹3L+/month (community) | ₹12L+/yr |
| Income — self-employed | ~ITR ₹24L+/yr (community) | ₹15L+/yr |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
Axis Atlas out-earns YES Bank Marquee at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Both reach
- Air India Maharaja Club 15:1 vs 1:2
Only Axis Atlas
- Singapore Airlines KrisFlyer
- British Airways Executive Club (Avios)
- Finnair Plus (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, Axis Atlas nets ₹60,200 against ₹32,400 — a ₹27,800 gap. At ₹5L/month, Axis Atlas nets ₹2,91,000 against ₹1,62,000 — a ₹1,29,000 gap. Lounge chasers: Axis Atlas opens 588 of 644 tracked doors to YES Bank Marquee's 72.
Our standing verdicts: YES Bank Marquee — Keep; Axis Atlas — Keep. On our board, Axis Atlas sits at #2 to YES Bank Marquee's #19 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →