3 pts / ₹100
Limited data Pairwise comparison
Compare 3+ cards →
AU Small Finance Bank Zenith+ vs YES Bank Marquee Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the YES Bank Marquee. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Marquee for lounge access.
Head-to-head
Three core metrics- Annual fee Zenith+ ₹4,999 Waivable at ₹8,00,000 spendMarquee ₹4,999
- Forex markup Zenith+ saves ~₹10 per ₹1L abroadZenith+ 0.99%Marquee 1%
- Domestic lounge Marquee: +16 lounge visits/yrZenith+ 8/year (2 per quarter)Marquee 24/year (6 per quarter) Conditional · Domestic: 6/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card18 pts / ₹200 · Up to 36 pts / ₹200 on online spend
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith+: ₹4,999 vs YES Bank Marquee: ₹4,999), forex markup (0.99% vs 1%), or lounge access (8/year (2 per quarter) vs 24/year (6 per quarter)).
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Travel Tie Both cards are similar for travel
Forex markup is 0.99%. Forex markup is 1%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 0.99%. Forex markup is 1%.
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Lounge access YES Bank Marquee wins YES Bank Marquee is better for lounge access
YES Bank Marquee is stronger here. YES Bank Marquee offers 24 domestic lounge visits per year versus 8.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: AU Small Finance Bank Zenith+ is not safely INR-comparable (no usable point value). YES Bank Marquee is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- AU Zenith+: Base earn not clearly specified
- YES Bank Marquee: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Zenith+ AU Small Finance Bank | Marquee YES Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 24/year (6 per quarter) | 8/year (2 per quarter) | 24/year (6 per quarter) |
| International lounge visits 2 per quarter vs Unlimited | 2 per quarter | Unlimited |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0.99% vs 1% | 0.99% | 1% |
| Fees | ||
| Recurring annual fee | ₹4,999 | ₹4,999 |
| First-year cost Only available for YES Bank Marquee | Not specified | ₹9,999 |
| Annual-fee waiver Only available for AU Zenith+ | ₹8,00,000 | Not specified |
| Monthly interest rate 1.99% / month vs 2.99% / month | 1.99% / month | 2.99% / month |
| Fuel benefit Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap vs Surcharge waiver available · ₹500–₹5,000 transactions | Surcharge waiver available · ₹400–₹5,000 transactions · ₹1,000/month waiver cap | Surcharge waiver available · ₹500–₹5,000 transactions |
| Rewards | ||
| Base earn 3 pts / ₹100 vs 18 pts / ₹200 | 3 pts / ₹100 | 18 pts / ₹200 |
| Earn ceiling Not stated vs 1,250 points per statement cycle; at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend | Not stated | 1,250 points per statement cycle; at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend |
| Point validity Only available for YES Bank Marquee | Not specified | 3 years |
Notes
- YES Bank Marquee Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
AU Small Finance Bank Zenith+
Verify with issuer , opens external siteYES Bank Marquee
Verify with issuer , opens external site