YES Bank Marquee Credit Card vs HDFC Infinia Credit Card
Last Updated : April 8, 2025, 12:38 p.m.
Both the Yes Bank Marquee Credit Card and HDFC Infinia Credit Card stand out as prestigious premium credit cards with exclusive benefits and privileges. Each of these cards have their own unique benefits. While the HDFC Infinia has long been considered the gold standard in the super-premium segment with its unlimited lounge access, comprehensive travel benefits, and prestigious metal design, the newer Yes Bank Marquee has disrupted the market with its exceptional rewards on online spending, lower forex markup fee of just 1 %, and competitive annual fee structure. As we delve into a detailed comparison of these two powerhouse cards, we'll explore how they stack up against each other in terms of reward rates, travel perks, lifestyle benefits, and overall value proposition for the affluent Indian consumer in 2025. After comparing the two credit cards, you can make a well-informed choice of a credit card according to your spending preferences. Then, before applying for the same, check your credit score as it is a very important eligibility criterion that credit card issuers look into for approving your application. By verifying it, you can find out where you stand and whether your credit score is matching the issuer’s requirements. Do a free CIBIL score check on Wishfin.
Comparison of Yes Bank Marquee Credit Card vs HDFC Infinia Credit Card
| Feature | Yes Bank Marquee Credit Card | HDFC Infinia Credit Card |
|---|---|---|
Card Type | Premium | Super Premium (By Invitation Only) |
Card Material | Standard | Metal Edition |
Annual Fee | Rs. 9,999 + GST | Rs. 12,500 + GST |
Annual Fee Waiver | Spend Rs. 10 lakhs or more annually | Spend Rs. 10 lakhs annually |
Welcome Benefits | 40,000 Yes Rewardz points | 12,500 HDFC Reward points upon fee realization |
Reward Rate | 36 Yes Rewardz points per Rs. 200 on online shopping | 5 reward points per Rs. 150 spent |
18 Yes Rewardz points per Rs. 200 on offline shopping | Up to 10X reward points on Smartbuy travel and shopping | |
10 Yes Rewardz points per Rs. 200 on utilities, recharges | 2X points on the Infinia website, dining, and Vistara bookings | |
Reward Value | 4 Yes Rewardz points = 1 air mile | Varies by redemption method (up to Rs. 1 per point) |
Domestic Lounge Access | 6 complimentary visits per quarter | Enjoy unrestricted complimentary airport lounge access in India |
International Lounge Access | Unlimited annually | Unlimited via Priority Pass |
Golf Benefits | 1 complimentary golf lesson monthly | Unlimited complimentary golf games worldwide |
4 green fee waivers at partner courses | Unlimited golf coaching at select courses in India | |
Dining Benefits | Limited | Exclusive dining offers at 3,000+ restaurants |
Up to 20% off at Marriott Hotels restaurants | ||
Hotel Benefits | Limited | Complimentary Club Marriott membership |
Book 3 nights, pay for 2 at participating ITC hotels | ||
1+1 complimentary buffet at participating ITC hotels | ||
Foreign Currency Markup | 1% | 2% |
Insurance Coverage | Purchase Protection up to Rs. 50,000 | Accidental Air Death cover of Rs. 3 crore |
Credit Shield cover of Rs. 15 lakhs | Emergency overseas hospitalization up to Rs. 50 lakhs | |
Lost Card liability of Rs. 15 lakhs | Credit Shield Cover up to Rs. 9 lakhs | |
Concierge Service | Available | Global Personal Concierge – 24x7 |
Fuel Surcharge Waiver | 1% (Rs. 400 - Rs. 5,000) | 1% (Rs. 400 - Rs. 1,00,000) |
Movie Benefits | Buy 1 Get 1 on BookMyShow (Up to 3 free tickets) | Limited |
Cash Withdrawal | Standard charges apply | No charges for up to 40% of credit limit in India |
Eligibility Criteria
| Criteria | Yes Bank Marquee Credit Card | HDFC Infinia Credit Card |
|---|---|---|
Minimum Age | 21 years | 21 years |
Minimum Annual Income | Rs. 3 lakhs | By invitation only (typically high-net-worth individuals) |
Credit Score | Good to Excellent | Excellent |
Credit Limit | Based on creditworthiness | Minimum Rs. 8 lakhs (no preset upper limit) |
Fees and Charges
| Parameter | Yes Bank Marquee Credit Card | HDFC Infinia Credit Card |
|---|---|---|
Joining Fee | Rs. 9,999 + GST | Rs. 12,500 + GST |
Annual Fee | Rs. 4,999 + GST (Waived off on retail spends of Rs. 10 lakhs annually) | Rs. 12,500 + GST (Waived off on retail spends of Rs. 10 lakhs annually) |
Interest Rate | 2.99% monthly (35.88% annually) | Up to 3.49% per month (41.88% annually) |
Cash Advance Fee | Standard charges apply | 2.5% of the withdrawn amount, or at least Rs. 500, whichever is higher, is charged. |
Late Payment Fee | Based on outstanding amount | Based on outstanding amount |
Foreign Currency Markup | 1% | 2% (plus GST = 2.36%) |
Reward Points Validity | Standard terms | 3 years from date of accumulation |
Reward Point Redemption
| Redemption Option | Yes Bank Marquee Credit Card | HDFC Infinia Credit Card |
Air Miles | 4 Yes Rewardz Points = 1 InterMile /Club Vistara Point | Multiple airline partners with varying conversion rates |
Hotel Points | Limited | Accor, IHG One, Wyndham with varying conversion rates |
Merchandise | Available | Available through SmartBuy |
Cashback | Available | Available (up to Rs. 0.3 per point) |
Travel Booking | Limited | Available through SmartBuy (up to Rs. 1 per point) |
Monthly Redemption Cap | Standard | Flights/hotels: 1.5L points/month |
Tanishq vouchers: 50K points/month | ||
Cashback: 50K points/month |
Which Card to Choose?
Both cards offer premium benefits targeted at different customer segments. The Yes Bank Marquee Credit Card provides solid rewards for everyday shopping with a lower annual fee, while the HDFC Infinia Credit Card offers superior luxury benefits, particularly for travel, with more comprehensive insurance coverage and exclusive privileges at high-end hotels and restaurants. The right choice depends on your spending patterns, travel frequency, and lifestyle preferences. The Yes Bank Marquee Card might be more accessible and better for online shoppers, while the HDFC Infinia excels for frequent travelers seeking luxury experiences with its comprehensive travel benefits and superior insurance coverage.
Disclaimer: This comparison is based on information available as of April 2025. Credit card features, benefits, and charges are subject to change. Please verify the latest details on the official websites of Yes Bank and HDFC Bank before making a decision.
Frequently Asked Questions (FAQs)
