Kotak White Reserve vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Yes Bank Marquee wins 7-2. Mid-premium with rare 0% forex markup tier. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | Yes Bank Marquee |
|---|---|---|
| Annual fee | · ₹12,500 | ₹4,999 |
| Joining fee | · ₹12,500 | ₹9,999 |
| Top reward rate | · Milestone | 2% (general) |
| Base reward rate | · Milestone | 2% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | · N/A | 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹1,000,000 / yr | · ₹1,500,000 / yr |
| Min income | = Not verified | = ₹2,400,000 |
| Min credit score | · N/A | 790 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
Yes Bank Marquee
- 12 reward points per ₹200 on weekend dining + grocery
- 6 reward points per ₹200 on others
- 0% forex markup
- Unlimited domestic + 4 international lounge visits/quarter
- Golf at 250+ courses (4/quarter)
FAQ
›Kotak White Reserve vs Yes Bank Marquee: which is better?
Yes Bank Marquee wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve for its best categories, Yes Bank Marquee for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak White Reserve doesn't list a welcome bonus. Yes Bank Marquee: 15,000 reward points worth ₹3,750.