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YES BANK MARQUEE Credit Card vs AU Zenith+ Credit Card

Compare YES BANK MARQUEE Credit Card and AU Zenith+ Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

YES BANK MARQUEE Credit Card vs AU Zenith+ Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
YES BANKYES BANK MARQUEE Credit Card

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.

Annual fee
₹4,999 + applicable GST
Reviewed
September 9, 2026
Evidence
4 issuer sources
Open card research
AU Small Finance BankAU Zenith+ Credit Card

High-income travelers who value 0.99% forex, frequent lounge access, premium airport services and a metal-card benefit stack.

Annual fee
₹4,999 + applicable taxes
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

YES BANK MARQUEE Credit Card vs AU Zenith+ Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/yes-bank-marquee-credit-card-vs-au-zenith-plus-credit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

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.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

YES BANK MARQUEE Credit Card

Annual fee
₹4,999 + applicable GST
Fee waiver
No first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal fee

AU Zenith+ Credit Card

Annual fee
₹4,999 + applicable taxes
Fee waiver
Renewal fee waived on ₹8 lakh net retail spends in the previous card anniversary year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

YES BANK MARQUEE Credit Card

Reward rules
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

Recorded cautions

  • The ₹9,999 first-year fee is not spend-waived under the reviewed KFS.
  • Domestic lounge qualification currently requires ₹1 lakh preceding-quarter spend.
  • Headline reward value depends on redemption and monthly/statement-cycle caps.

AU Zenith+ Credit Card

Reward rules
Up to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits

Recorded cautions

  • The ₹8 lakh annual spend waiver should not encourage incremental spending.
  • Priority Pass use within India is chargeable despite the international lounge allowance.
  • Premium partner benefits and milestone rules can change independently of the base fee.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

YES BANK MARQUEE Credit Card

Lounge conditions
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 costs
1% foreign-currency conversion charge
Eligibility
Subject to YES BANK's premium-card underwriting and documentation requirements

AU Zenith+ Credit Card

Lounge conditions
16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex costs
0.99% cross-currency markup
Eligibility
Reviewed issuer page lists indicative monthly net income of ₹2.5 lakh, resident Indian status and age ranges; approval remains at AU Small Finance Bank discretion
Other maintained comparisons for YES BANK MARQUEE Credit CardOther maintained comparisons for AU Zenith+ Credit Card
Shared research themes
Super-Premium Credit CardsRewards Credit CardsAirport Lounge Credit CardsTravel Credit CardsLow Forex Markup Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Credit-card terms side by side for YES BANK MARQUEE Credit Card and AU Zenith+ Credit Card
Decision factorYES BANK MARQUEE Credit CardAU Zenith+ Credit Card
Joining fee₹9,999 + applicable GST₹4,999 + applicable taxes
Annual fee₹4,999 + applicable GST₹4,999 + applicable taxes
Fee waiverNo first-year fee waiver under the reviewed KFS; spend ₹10 lakh in the anniversary year to waive the next renewal feeRenewal fee waived on ₹8 lakh net retail spends in the previous card anniversary year
Rewards36 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 chartUp to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits
LoungeUnlimited 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 quarter16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex markup1% foreign-currency conversion charge0.99% cross-currency markup
NetworkVisa Infinite / Mastercard World Elite or current premium variant as offeredVisa / RuPay metal variants as offered
Eligibility / approvalSubject to YES BANK's premium-card underwriting and documentation requirementsReviewed issuer page lists indicative monthly net income of ₹2.5 lakh, resident Indian status and age ranges; approval remains at AU Small Finance Bank discretion
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

YES BANK

YES BANK MARQUEE Credit Card

  • The ₹9,999 first-year fee is not spend-waived under the reviewed KFS.
  • Domestic lounge qualification currently requires ₹1 lakh preceding-quarter spend.
  • Headline reward value depends on redemption and monthly/statement-cycle caps.
AU Small Finance Bank

AU Zenith+ Credit Card

  • The ₹8 lakh annual spend waiver should not encourage incremental spending.
  • Priority Pass use within India is chargeable despite the international lounge allowance.
  • Premium partner benefits and milestone rules can change independently of the base fee.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

AU Small Finance Bank

AU Zenith+ Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageIssuer product pageFee / charge schedule

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

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.

YES BANK MARQUEE Credit Card

Reviewed September 9, 2026 · 4 attached first-party sources

  1. Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  2. Issuer documenthttps://www.yesbank.in/content/published/api/v1.1/assets/CONT49316C1151134FA58F444758AF08712C/native/yesbank_marquee_credit_card.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  3. Lounge termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  4. Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false

AU Zenith+ Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card
  2. Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards
  3. Fee / charge schedulehttps://www.au.bank.in/pdf/zenith-credit-card/schedule-of-charges-cc.pdf