Yes Bank vs Amex Credit Cards: ₹9,999 Marquee or ₹66,000 Charge Card

The Yes Bank Marquee costs ₹9,999 to join and ₹4,999 a year, with 24 domestic lounge visits and unlimited international visits at a 1% forex markup. The Amex Platinum Charge costs ₹66,000 and charges 3.5%. Amex sells prestige and a wider lounge network; Yes Bank sells the same rough shape of product for a fraction of the cost.

Entry cards

Amex's lowest-priced card, the SmartEarn, costs ₹495, waived at ₹40,000, with a ₹37,500 income floor and 10% on selected categories, capped at ₹150 a month. Yes Bank's ACE costs ₹499, waived at ₹50,000, and the Klick RuPay is free. Yes Bank also has cheaper cards with lounge access, such as SELECT at ₹599. Yes Bank wins on range of entry options.

Mid-range

Amex Membership Rewards costs ₹1,000 to join and ₹4,500 a year, waived at ₹1,50,000, with a 2% base. Amex Gold costs the same and pays 2% on dining and groceries. Yes Bank's FIRST Preferred costs ₹999, waived at ₹2,50,000, with 4% on dining and travel, 2 domestic visits a quarter and 4 international a year, and a ₹24,000 income floor. Yes ELITE+ costs ₹999 with lounge visits too. Neither Amex card includes lounge visits at that price. Yes Bank wins.

The ₹5,000 to ₹10,000 band

The Amex Platinum Travel costs ₹5,000 with a ₹50,000 income floor, and from 1 October 2026 gives 2 domestic visits a quarter once previous-quarter spend reaches ₹70,000, later ₹1,00,000. It includes Priority Pass with the US$99 fee waived, though per-visit charges may still apply. Yes Reserv costs ₹2,499, waived at ₹3,00,000, with unlimited domestic and international lounge visits, a 4% base and 8% on travel, and a ₹2,00,000 income floor. The Amex Platinum Reserve costs ₹10,000, waived at ₹10,00,000, with domestic lounge access and 2 international visits a year for a basic Cardmember. Marquee matches that price with far more lounge access. Yes Bank wins on value; Amex needs a lower income for Platinum Travel.

Charge cards and Centurion

The Platinum Charge costs ₹66,000, with unlimited access to Amex lounges at home, Amex and Centurion lounges overseas, 1,200+ Priority Pass lounges and select Delta lounges. The Centurion costs ₹7,00,000 to join, ₹2,75,000 a year, and gives unlimited access to 1,300+ lounges worldwide at 2% forex, with a ₹10,00,000 income floor. Yes Private costs ₹50,000 to join and ₹10,000 a year with unlimited lounges and 12 guest visits at 0.5% forex. Amex has the exclusive-network product; Yes Bank is much cheaper. Amex leads only if the Centurion or Charge network is what you need.

Forex

Almost all Amex cards on our list charge 3.5%. Yes Bank's premium cards charge 0.5% to 2%. Anyone spending abroad on a premium card should note this. Yes Bank wins.

Who should choose which

A buyer who wants unlimited lounges and has a ₹2,00,000 income: Yes Reserv. A premium traveller overseas: Yes Marquee. A first card with a points programme at modest income: Amex Membership Rewards. A very high-net-worth buyer who wants Amex's lounge network: Platinum Charge or Centurion.

Related guides

See the Yes Bank credit cards guide and Amex credit cards guide, then IDFC FIRST vs Amex for another comparison.