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ICICI Bank Platinum Chip Credit Card VS Yes Bank Marquee Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Yes Bank Marquee charges ₹9,999 + GST joining for unlimited international lounge access, BOGO movie offers, and a 15% dining discount at select restaurants - a super-premium card. ICICI Bank Platinum Chip is entirely free with a 15% dining discount via Culinary Treats but no lounge access or movie offers. For most applicants, Platinum Chip's free dining discount covers the basics without any fee; Marquee only makes sense for high spenders who'll genuinely use unlimited international lounge access and BOGO movie perks regularly.

ICICI Bank Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹9,999 + GST
Renewal FeeLifetime Free
Renewal Fee₹4,999 + GST
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees3.5% on all international transactions.
Foreign Transaction Fees1% of the transaction amount.
Interest Rate (APR)3.75% per month (45% per annum) on overdue amounts, ATM withdrawals, and if only the minimum due is paid.
Interest Rate (APR)2.99% per month (35.88% annually).

Rewards & Benefits

Welcome Bonus
Welcome Bonus40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards RateEarn 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance.
Rewards RateEarn 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption request.
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter).
International Lounge Access
International Lounge AccessUnlimited access for primary/add-on cardholders + 4 guest visits/year.
Travel Benefits
Travel BenefitsLow 1% foreign currency markup; extensive lounge access; travel assistance.
Movie Benefits
Movie BenefitsBuy One Get One (BOGO) on movie tickets, capped at 3/month (max ₹800/ticket).
Dining BenefitsUp to 15% discount at over 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme.
Dining Benefits15% discount at select restaurants.
Golf Benefits
Golf BenefitsWaiver of 4 Green Fees; 1 complimentary golf lesson per month at select courses.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions done at HPCL fuel stations. This waiver applies to fuel transactions worth ₹400 to ₹4,000.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹5,000, max ₹1,000/statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsCredit Shield Cover of Rs. 3 Lakh; 6-month accidental damage insurance for online electronics.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
Cash Advance Charges2.5% or ₹650, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Platinum Chip Credit Card

Yes Bank Marquee Credit Card

Who is it for?

The ICICI Bank Platinum Chip Credit Card is an entry-level, lifetime free credit card designed for everyday savings. It offers cardholders reward points on retail, utility, and insurance spends, along with attractive dining discounts through the Culinary Treats Programme. Cardholders also benefit from a 1% fuel surcharge waiver at HPCL pumps, making it a practical choice for daily use. This card is ideal for individuals seeking an affordable credit solution with valuable everyday benefits.

Who is it for?

The Yes Bank Marquee Credit Card is a super-premium offering designed for individuals seeking extensive benefits across travel, shopping, and entertainment. It features unlimited international airport lounge access, buy-one-get-one-free movie tickets, and an accelerated reward points program. With a low 1% foreign currency markup and purchase protection, it's ideal for frequent travelers and high spenders who can maximize its premium perks.

Pros

Key benefits and features.

The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.

Earns valuable reward points on everyday retail, utility, and insurance expenditures.

Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.

Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.

Conveniently convert your large purchases into easy and manageable EMI options.

Pros

Key benefits and features.

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.

Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.

Accelerated reward points on online and offline spends, including specific utility payments.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is applicable for each reward point redemption request.

The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.

High interest rates of 3.75% per month apply to overdue amounts and cash advances.

Significant cash advance fees are charged, which can be costly for emergency withdrawals.

Cons

Key drawbacks and limitations.

The card has a high joining fee of Rs. 9,999 + GST, making initial cost significant.

Welcome benefits, while valuable, may seem limited compared to the high joining charge.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for ICICI Bank Platinum Chip Credit Card(opens in new tab)Apply for Yes Bank Marquee Credit Card(opens in new tab)