Which card has a lower forex fee: ICICI Sapphiro 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: ICICI Sapphiro Credit Card or YES Bank Marquee Credit Card?

ICICI Sapphiro Credit Card has a lower annual fee (₹3,500 vs ₹4,999).

Which card offers better lounge access?

ICICI Sapphiro Credit Card: 4 per quarter domestic lounge. YES Bank Marquee Credit Card: 6 per quarter domestic lounge.

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 →

ICICI Bank Sapphiro Mastercard vs YES Bank Marquee Credit Cards – Fees, Lounge, Forex

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

Forex YES Bank Marquee

Quick comparison

Three core metrics

Sapphiro Mastercard ICICI Bank

Annual fee ₹3,500 Waivable at ₹6,00,000 spend
Forex markup 3.5%
Domestic lounge 4/quarter Conditional · Domestic: 4/quarter · requires ₹75,000 spend in the previous calendar quarter

Marquee YES Bank

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 1%
Domestic lounge 6/quarter Conditional · Domestic: 6/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Reward earning explained

Per card

Sapphiro Mastercard

4 pts / ₹100 on International spend (Eligible international retail spends per S…

Limited data

Marquee

36 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Sapphiro Mastercard: ₹3,500 vs YES Bank Marquee: ₹4,999), forex markup (3.5% vs 1%), or lounge access (4/quarter vs 6/quarter).

Travel Insufficient data

Insufficient data to compare travel

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

Sapphiro Mastercard: Limited data Marquee: Limited 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 Tie

Both cards are similar for lounge access

Domestic lounge access is 4 per quarter. Domestic lounge access is 6 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only YES Bank Marquee has comparable evidence here. Base earn is 36 pts per ₹100.

Sapphiro Mastercard: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Sapphiro: Base earn not clearly specified
YES Bank Marquee: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Sapphiro Mastercard ICICI Bank	Marquee YES Bank
Lounge Access
Domestic lounge visits 4/quarter vs 6/quarter	4/quarter	6/quarter
International lounge visits Only available for Sapphiro	2/year	Not specified
Forex / International Use
Forex markup 3.5% vs 1%	3.5%	1%
Fees
Annual fee ₹3,500 vs ₹4,999	₹3,500	₹4,999
Joining fee ₹6,500 vs ₹9,999	₹6,500	₹9,999
Fee waiver spend ₹6,00,000 vs ₹10,00,000	₹6,00,000	₹10,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Points per ₹100 4 pts vs 36 pts	4 pts	36 pts

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.