Which card has a lower forex fee: Marriott Bonvoy HDFC Bank Credit Card or YES Bank Marquee Credit Card?

YES Bank Marquee Credit Card has lower forex markup (1% vs 3.5%).

Which card has a lower annual fee: Marriott Bonvoy HDFC Bank Credit Card or YES Bank Marquee Credit Card?

Marriott Bonvoy HDFC Bank Credit Card has a lower annual fee (₹3,000 annual fee vs ₹4,999 annual fee).

Which card offers better lounge access?

Marriott Bonvoy HDFC Bank Credit Card: 12 domestic + 12 international lounge visits/year. YES Bank Marquee Credit Card: 6 per quarter domestic + Unlimited international.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Marriott Bonvoy vs YES Bank Marquee Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Marriott Bonvoy and the YES Bank Marquee. Verify fees, lounge access, forex markup, and base rewards before you apply.

Marriott Bonvoy

Marquee

The short answer

Verdict

Pick Marquee for spending abroad and lounge access.

Head-to-head

Three core metrics

Annual fee

Marriott Bonvoy ₹3,000

Marquee ₹4,999

Marriott Bonvoy saves ₹1,999/yr
Forex markup

Marriott Bonvoy 3.5%

Marquee 1%

Marquee saves ~₹2,500 per ₹1L abroad
Domestic lounge

Marriott Bonvoy 12/year

Marquee 24/year (6 per quarter) Conditional · Domestic: 6/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)

Marquee: +12 lounge visits/yr

Reward earning explained

Per card

Marriott Bonvoy

2 pts / ₹150 · Up to 8 pts / ₹150 on Hotel

Strong data

Marquee

18 pts / ₹200 · Up to 36 pts / ₹200 on online spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Marriott Bonvoy: ₹3,000 vs YES Bank Marquee: ₹4,999), forex markup (3.5% vs 1%), or lounge access (12/year vs 24/year (6 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only YES Bank Marquee has comparable evidence here. Forex markup is 1%.

Marriott Bonvoy: Strong data Marquee: Strong data
Forex markup YES Bank Marquee wins

YES Bank Marquee is better for forex

YES Bank Marquee is stronger here. Forex markup is 1%.
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 12.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: HDFC Bank Marriott Bonvoy conservative base value ~0.6666666666666666% per ₹100. YES Bank Marquee is not safely INR-comparable (no usable point value).

Marriott Bonvoy: Strong data Marquee: Limited data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Marriott Bonvoy HDFC Bank: ~₹330/month at base rate
YES Bank Marquee: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Marriott Bonvoy HDFC Bank	Marquee YES Bank
Insurance — Lost card liability cover Only available for Marriott Bonvoy HDFC Bank	₹9 lakh	Not specified
Insurance — Underwriter Only available for Marriott Bonvoy HDFC Bank	Insured by HDFC ERGO General Insurance Company Limited	Not specified
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 12/year vs 24/year (6 per quarter)	12/year	24/year (6 per quarter)
International lounge visits 12 per year vs Unlimited	12 per year	Unlimited
Forex / International Use
Forex markup 3.5% vs 1%	3.5%	1%
Fees
Recurring annual fee ₹3,000 vs ₹4,999	₹3,000	₹4,999
First-year cost ₹3,000 vs ₹9,999	₹3,000	₹9,999
Monthly interest rate 3.75% / month vs 2.99% / month	3.75% / month	2.99% / month
Late-payment charge Only available for Marriott Bonvoy HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs Surcharge waiver available · ₹500–₹5,000 transactions	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	Surcharge waiver available · ₹500–₹5,000 transactions
Rewards
Base earn 2 pts / ₹150 vs 18 pts / ₹200	2 pts / ₹150	18 pts / ₹200
Conservative base value ~0.7% vs Not safely INR-comparable	~0.7%	Not safely INR-comparable
Earn ceiling 53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend vs 1,250 points per statement cycle; at 10 pts / ₹200, this lane reaches the cap at ₹25,000 of eligible spend	53,335 points per month; at 8 pts / ₹150, this lane reaches the cap at ~₹10 lakh of eligible spend	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.

HDFC Bank Marriott Bonvoy

Verify with issuer

YES Bank Marquee

Verify with issuer