Compare Kotak White Reserve Credit Card and YES BANK MARQUEE Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Very high-spend premium travelers who can naturally clear the fee threshold and use lounge, concierge and milestone value.
High-spend travelers who can use the card's 1% forex pricing, large lounge allowance and premium online reward rate enough to justify a high joining fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/kotak-white-reserve-credit-card-vs-yes-bank-marquee-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Kotak White Reserve Credit Card | YES BANK MARQUEE Credit Card |
|---|---|---|
| Joining fee | ₹12,500 + applicable taxes | ₹9,999 + applicable GST |
| Annual fee | ₹12,500 + applicable taxes | ₹4,999 + applicable GST |
| Fee waiver | Annual fee waived at ₹10 lakh eligible retail spends per annum under the reviewed KFS | No first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal fee |
| Rewards | White Pass value can scale with eligible annual spend; the reviewed Kotak listing advertises value up to ₹2.5 lakh annually | 36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart |
| Lounge | Unlimited global airport lounge access for primary and add-on cardholders on the reviewed issuer listing | Unlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter |
| Forex markup | 2% foreign-currency transaction markup under the reviewed KFS/MITC | 1% foreign-currency conversion charge |
| Network | See current issued network | Visa Infinite / Mastercard World Elite or current premium variant as offered |
| Eligibility / approval | Premium/selective Kotak underwriting; current relationship and income criteria should be confirmed with the bank | Subject to YES BANK's premium-card underwriting and documentation requirements |
These cautions remain attached to the underlying card records instead of being converted into a score.
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Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 9, 2026 · 4 attached first-party sources