Compare YES BANK MARQUEE Credit Card and ICICI Bank Emeralde Private Metal 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.
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.
Invite-only high-spend customers who can use unlimited lounges, premium memberships, golf, concierge and travel protections enough to justify the fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/yes-bank-marquee-credit-card-vs-icici-emeralde-private-metal-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 11, 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 | YES BANK MARQUEE Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|
| Joining fee | ₹9,999 + applicable GST | ₹12,499 + GST |
| Annual fee | ₹4,999 + applicable GST | ₹12,499 + 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 | Annual fee waived for the next year on spends over ₹10 lakh |
| Rewards | 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 | 6 Reward Points per ₹200 on eligible retail spends on the reviewed issuer page, with category-specific caps for grocery, utilities, education and insurance |
| Lounge | 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 | Unlimited complimentary domestic and international airport lounge access for primary and Plus card members on the reviewed issuer page |
| Forex markup | 1% foreign-currency conversion charge | 2% foreign-currency markup |
| Network | Visa Infinite / Mastercard World Elite or current premium variant as offered | Metal card; network as offered by ICICI Bank |
| Eligibility / approval | Subject to YES BANK's premium-card underwriting and documentation requirements | Invite-only product; reviewed issuer page directs applicants to their Relationship Manager and approval remains with ICICI Bank |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
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 11, 2026 · 4 attached first-party sources