YES Bank Marquee vs IndusInd Avios Visa Infinite (2026)
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| YES Bank Marquee | Metric | IndusInd Avios Visa Infinite |
|---|---|---|
| #27 — wins this row | Our rank | #37 |
| ₹9,999 joining, then ₹4,999/yr — wins this row | Fee — joining · annual (+ GST) | ₹10,000 joining, then ₹5,000/yr |
| ₹10,00,000 spend | Fee waiver | None |
| 1% + GST (DCC on INR-billed international transactions also 1%) — wins this row | Forex markup | 1.5% at preferred international destinations, 3.5% all other + GST |
| 2.99%/mo (35.88%/yr) — the YES Private/Prime/Marquee/Reserv premium tier (V18 MITC); other YES cards pay 3.99%/mo | APR | 3.00%/mo (36%/yr) |
| 2.3% — wins this row | Headline earn rate | 1.5% |
| YES Rewardz (YES CC Rewardz) | Currency | Avios (BA / Qatar / Finnair) |
| ₹0.25/pt | House value | ₹1.00/pt |
| 40,000 YES Rewardz points (₹10,000) on the ₹9,999 joining fee; 20,000 more each renewal | Welcome benefit | 20,000 bonus Avios as a joining benefit (same for the Qatar or BA track) |
| 72 of 789 | Lounge doors opened | 731 of 789 — wins this row |
| ~₹3L+/month (community) | Income — salaried | not published |
| ~ITR ₹24L+/yr (community) | Income — self-employed | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-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. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
It swings with spend: IndusInd Avios Visa Infinite at ₹1L/month, YES Bank Marquee at ₹3L/month, YES Bank Marquee at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.75L and ₹2.75L a month: YES Bank Marquee is ahead by ₹3,331 at ₹0.25L, YES Bank Marquee by ₹30,600 at ₹5L.
IndusInd Avios Visa Infinite pays 2 annual spend milestones, the first at ₹8,00,000 a year, and YES Bank Marquee pays none; YES Bank Marquee charges twice — ₹9,999 to join, then ₹4,999 every year after.
YES Bank Marquee draws above the line, IndusInd Avios Visa Infinite below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | YES Bank Marquee | IndusInd Avios Visa Infinite | In front |
|---|---|---|---|
| ₹0.25L | ₹8,101 | ₹4,770 | YES Bank Marquee by ₹3,331 |
| ₹0.5L | ₹16,201 | ₹9,540 | YES Bank Marquee by ₹6,661 |
| ₹0.75L | ₹24,301 | ₹32,310 | IndusInd Avios Visa Infinite by ₹8,009 |
| ₹1L | ₹32,400 | ₹37,080 | IndusInd Avios Visa Infinite by ₹4,680 |
| ₹1.25L | ₹40,500 | ₹41,850 | IndusInd Avios Visa Infinite by ₹1,350 |
| ₹1.5L | ₹48,600 | ₹64,620 | IndusInd Avios Visa Infinite by ₹16,020 |
| ₹1.75L | ₹56,700 | ₹69,390 | IndusInd Avios Visa Infinite by ₹12,690 |
| ₹2L | ₹64,800 | ₹74,160 | IndusInd Avios Visa Infinite by ₹9,360 |
| ₹2.25L | ₹72,900 | ₹78,930 | IndusInd Avios Visa Infinite by ₹6,030 |
| ₹2.5L | ₹81,000 | ₹83,700 | IndusInd Avios Visa Infinite by ₹2,700 |
| ₹2.75L | ₹89,100 | ₹88,470 | YES Bank Marquee by ₹630 |
| ₹3L | ₹97,200 | ₹93,240 | YES Bank Marquee by ₹3,960 |
| ₹3.25L | ₹1,05,300 | ₹98,010 | YES Bank Marquee by ₹7,290 |
| ₹3.5L | ₹1,13,400 | ₹1,02,780 | YES Bank Marquee by ₹10,620 |
| ₹3.75L | ₹1,21,500 | ₹1,07,550 | YES Bank Marquee by ₹13,950 |
| ₹4L | ₹1,29,600 | ₹1,12,320 | YES Bank Marquee by ₹17,280 |
| ₹4.25L | ₹1,37,700 | ₹1,17,090 | YES Bank Marquee by ₹20,610 |
| ₹4.5L | ₹1,45,800 | ₹1,21,860 | YES Bank Marquee by ₹23,940 |
| ₹4.75L | ₹1,53,900 | ₹1,26,630 | YES Bank Marquee by ₹27,270 |
| ₹5L | ₹1,62,000 | ₹1,31,400 | YES Bank Marquee by ₹30,600 |
Transfer reach
Only YES Bank Marquee
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
YES Bank Marquee · 3 more →
- ₹0.25/point only on YES Rewardz flights/hotels, capped at 70% of invoice — the lone Maharaja route (15:1, ≈₹0.07/pt) is a decoy; statement credit pays ₹0.10
- Offline spends earn half (2.25%); utilities/cable just 1.25%, capped 1,250 RP/cycle
- Fuel, rent, wallet and government earn zero since 1-Apr-2025 — and 15-Jun-2026 zeroed insurance, education, railways, toll and ferry too
IndusInd Avios Visa Infinite · 2 more →
- ₹10,000 joining fee, then ₹5,000 a year — no spend-based fee waiver
- Everyday earn is only 1.5% (3 Avios/₹200); the value needs BA/Qatar-site or overseas spend
- Utilities, insurance, government and education earn a token 1 Avios/₹200
The call
For the ₹1L/month spender, IndusInd Avios Visa Infinite nets ₹37,080 against ₹32,400 — a ₹4,680 gap. At ₹5L/month, YES Bank Marquee nets ₹1,62,000 against ₹1,31,400 — a ₹30,600 gap. Lounge chasers: IndusInd Avios Visa Infinite opens 731 of 789 tracked doors to YES Bank Marquee's 72.
Our standing verdicts: YES Bank Marquee — Keep; IndusInd Avios Visa Infinite — Keep. On our board, YES Bank Marquee sits at #27 to IndusInd Avios Visa Infinite's #37 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, YES Bank Marquee or IndusInd Avios Visa Infinite?
YES Bank Marquee. It sits at #27 on our board to IndusInd Avios Visa Infinite's #37. YES Bank Marquee takes 6 of the 8 rounds we can score. It swings with spend: IndusInd Avios Visa Infinite at ₹1L/month, YES Bank Marquee at ₹3L/month, YES Bank Marquee at ₹5L/month.
YES Bank Marquee or IndusInd Avios Visa Infinite — which earns more at ₹3L a month?
At ₹3L a month, YES Bank Marquee nets ₹97,200 against ₹93,240 — a ₹3,960 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, YES Bank Marquee or IndusInd Avios Visa Infinite?
YES Bank Marquee — ₹9,999 joining, then ₹4,999/yr against ₹10,000 joining, then ₹5,000/yr. YES Bank Marquee waives its fee at ₹10,00,000 of spend; IndusInd Avios Visa Infinite at no spend level — there is no waiver.
Which gets you into more airport lounges, YES Bank Marquee or IndusInd Avios Visa Infinite?
Lounge chasers: IndusInd Avios Visa Infinite opens 731 of 789 tracked doors to YES Bank Marquee's 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: YES Bank Marquee on 2026-08-09, IndusInd Avios Visa Infinite on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.