YES Private Prime vs YES Bank Marquee (2026)
YES Bank Marquee vs YES Private Prime: which wins?
₹1,00,800ranking value a year at ₹3L a month, to YES Private Prime
Skip the duel — the board, ranked → · nothing to sign up for
Same points, same partner board — 1 live transfer route each, so this one is decided on earn and fee, nothing else: 2.5% at ₹20,000 to join plus ₹10,000/yr against 2.3% at ₹9,999 to join plus ₹4,999/yr.
YES Bank Marquee wins under ₹1.75L/month; YES Private Prime takes over above it.
Every metric, row by row — 12 compared
Head to head
| YES Private Prime | Metric | YES Bank Marquee |
|---|---|---|
| invite-only | Our rank | #30 |
| ₹20,000 joining, then ₹10,000/yr | Fee — joining · annual (+ GST) | ₹9,999 joining, then ₹4,999/yr — wins this row |
| ₹20,00,000 spend | Fee waiver | ₹10,00,000 spend |
| 0.50% + GST, matching YES Private (plus a separate 1% DCC markup) — wins this row | Forex markup | 1% + GST (DCC on INR-billed international transactions also 1%) |
| 2.99%/mo (35.88%/yr) — the YES premium tier (CMITC_V18_07082026) | APR | 2.99%/mo (35.88%/yr) — the YES Private/Prime/Marquee/Reserv premium tier (V18 MITC); other YES cards pay 3.99%/mo |
| 2.5% — wins this row | Headline earn rate | 2.3% |
| YES Rewardz (YES CC Rewardz) | Currency | YES Rewardz (YES CC Rewardz) |
| ₹0.25/pt | House value | ₹0.25/pt |
| Oberoi e-gift vouchers worth ₹9,000 | Welcome benefit | 40,000 YES Rewardz points (₹10,000) on the ₹9,999 joining fee; 20,000 more each renewal |
| 728 of 793 — wins this row | Lounge doors opened | 72 of 793 |
| Not published — a YES Private Banking product with no public application journey | Income — salaried | ~₹3L+/month (community) |
| not published | Income — self-employed | ~ITR ₹24L+/yr (community) |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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.
YES Bank Marquee wins under ₹1.75L/month; YES Private Prime takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹1.75L a month: YES Bank Marquee is ahead by ₹9,701 at ₹0.25L, YES Private Prime by ₹6,000 at ₹5L.
YES Bank Marquee pays a renewal bonus whatever you spend, and YES Private Prime pays nothing to stay; YES Private Prime charges twice — ₹20,000 to join, then ₹10,000 every year after.
YES Private Prime draws above the line, YES Bank Marquee below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | YES Private Prime | YES Bank Marquee | In front |
|---|---|---|---|
| ₹0.25L | −₹1,600 | ₹8,101 | YES Bank Marquee by ₹9,701 |
| ₹0.5L | ₹6,800 | ₹16,201 | YES Bank Marquee by ₹9,401 |
| ₹0.75L | ₹15,200 | ₹24,301 | YES Bank Marquee by ₹9,101 |
| ₹1L | ₹23,600 | ₹32,400 | YES Bank Marquee by ₹8,800 |
| ₹1.25L | ₹32,000 | ₹40,500 | YES Bank Marquee by ₹8,500 |
| ₹1.5L | ₹40,400 | ₹48,600 | YES Bank Marquee by ₹8,200 |
| ₹1.75L | ₹58,800 | ₹56,700 | YES Private Prime by ₹2,100 |
| ₹2L | ₹67,200 | ₹64,800 | YES Private Prime by ₹2,400 |
| ₹2.25L | ₹75,600 | ₹72,900 | YES Private Prime by ₹2,700 |
| ₹2.5L | ₹84,000 | ₹81,000 | YES Private Prime by ₹3,000 |
| ₹2.75L | ₹92,400 | ₹89,100 | YES Private Prime by ₹3,300 |
| ₹3L | ₹1,00,800 | ₹97,200 | YES Private Prime by ₹3,600 |
| ₹3.25L | ₹1,09,200 | ₹1,05,300 | YES Private Prime by ₹3,900 |
| ₹3.5L | ₹1,17,600 | ₹1,13,400 | YES Private Prime by ₹4,200 |
| ₹3.75L | ₹1,26,000 | ₹1,21,500 | YES Private Prime by ₹4,500 |
| ₹4L | ₹1,34,400 | ₹1,29,600 | YES Private Prime by ₹4,800 |
| ₹4.25L | ₹1,42,800 | ₹1,37,700 | YES Private Prime by ₹5,100 |
| ₹4.5L | ₹1,51,200 | ₹1,45,800 | YES Private Prime by ₹5,400 |
| ₹4.75L | ₹1,59,600 | ₹1,53,900 | YES Private Prime by ₹5,700 |
| ₹5L | ₹1,68,000 | ₹1,62,000 | YES Private Prime by ₹6,000 |
Transfer reach — 1 shared live routes
Transfer reach
Both cards earn YES Rewardz (YES CC Rewardz), so the partner list is identical — 1 live transfer routes each. The fight is decided on earn and fees, not reach.
1 shared route — the full partner lists
Both reach
- Air India Maharaja Club 15:1
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
YES Private Prime · 3 more →
- ₹20,000 joining fee is not waivable — the ₹20L spend waiver only kills the ₹10,000 renewal
- None of Private's fee waivers apply: ₹100 + GST per redemption, plus ₹99 on flight bookings, late fees and cash-advance fees all charged
- ₹0.25/point only on portal flights/hotels at 70% of invoice, capped at 6,00,000 points; statement credit pays ₹0.10
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
The call
For the ₹1L/month spender, YES Bank Marquee nets ₹32,400 against ₹23,600 — a ₹8,800 gap. At ₹5L/month, YES Private Prime nets ₹1,68,000 against ₹1,62,000 — a ₹6,000 gap. Lounge chasers: YES Private Prime opens 728 of 793 tracked doors to YES Bank Marquee's 72.
Our standing verdicts: YES Private Prime — Keep; YES Bank Marquee — Keep. YES Private Prime takes 5 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, YES Private Prime or YES Bank Marquee?
YES Private Prime. YES Private Prime takes 5 of the 7 rounds we can score. YES Bank Marquee wins under ₹1.75L/month; YES Private Prime takes over above it.
YES Private Prime or YES Bank Marquee — which earns more at ₹3L a month?
At ₹3L a month, YES Private Prime nets ₹1,00,800 against ₹97,200 — a ₹3,600 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 Private Prime or YES Bank Marquee?
YES Bank Marquee — ₹9,999 joining, then ₹4,999/yr against ₹20,000 joining, then ₹10,000/yr. YES Private Prime waives its fee at ₹20,00,000 of spend; YES Bank Marquee at ₹10,00,000 of spend.
Which gets you into more airport lounges, YES Private Prime or YES Bank Marquee?
Lounge chasers: YES Private Prime opens 728 of 793 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 Private Prime on 2026-08-15, YES Bank Marquee on 2026-08-09. 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.
Verified against YES Bank and YES Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 8 of them, each with the day we read it
- official Product page — ₹20,000 first-year fee, ₹10,000 renewal reversed at ₹20L; 20 RP/₹200 domestic and 40 RP/₹200 international; 0.50% forex; Oberoi vouchers worth ₹9,000
- official MITC (CMITC_V18_07082026) — ₹20,000/₹10,000 fee grid waived at ₹20L; 0.50% forex; lounge spend threshold NIL; redemption 70% of invoice up to 6,00,000 points
- official YES BANK International Lounge Program — Private Prime: unlimited international visits for primary and add-on cardmembers
- official Product page (₹9,999 joining / ₹4,999 renewal waived at ₹10L; 36/18/10 RP/₹200; 15-Jun-2026 zeroed insurance/education/railways/toll/ferry)
- community CardInsider review
- community CardInsider — Maharaja transfer ratios
- community CardMaven review — Visa & Mastercard variants
- community CardExpert — YES First Preferred upgrade route with joining-fee waiver; online cap 1,00,000 RP/cycle then throttles to uncapped offline base