1. Annual Charges:
- Diners Club Black Metal: ₹10,000 + GST (annual fee)
- Yes Bank Marquee: ₹9,999 + GST (joining) and ₹4,999 + GST (annual renewal)
- Verdict: Marquee’s lower renewal fee makes it more attractive over time.
2. Reward Points (RPs):
- Yes Bank Marquee:
- 36 RPs per ₹200 on online spends
- 18 RPs per ₹200 on offline spends
- 10 RPs for rental payments, utility bills, and more
- 2x RPs on dining (Sat & Sun)
- RP Value: ₹0.25 per point
- Diners Club Black:
- 5 RPs for every ₹150 spent
- Up to 10x RPs on HDFC SmartBuy
- RP Value: ₹0.30 per point
- Verdict: Marquee is advantageous for categories like rent and utility payments; DCB wins for SmartBuy users.
3. Lounge Access:
- Diners Club Black: Unlimited domestic and international lounge access for both primary and add-on cardholders.
- Yes Bank Marquee: Unlimited international lounge access; 6 domestic visits per quarter (requires ₹1 lakh quarterly spend)
- Verdict: DCB has a clear edge with unlimited access.
4. Welcome Benefits:
- Yes Bank Marquee: 40,000 RPs (₹10,000 value) redeemable on platforms like Swiggy, Zomato, and Croma.
- Diners Club Black: Club Marriott, Swiggy One, and Amazon Prime memberships (on ₹1.5 lakh spend in 90 days)
- Verdict: Marquee’s upfront RPs offer more immediate value.
5. Renewal Charges & Waiver:
- Marquee: ₹4,999 (waived on ₹10 lakh spend); 20,000 RPs (worth ₹5,000) even if waiver isn’t achieved
- Diners Club Black: ₹10,000 (waived on ₹8 lakh spend)
- Verdict: Marquee offers a cost-effective fallback with reward points.
6. Movie Benefits:
- Yes Bank Marquee: “Buy One Get One Free” on BookMyShow, up to 3 free tickets monthly.
- Diners Club Black: No movie benefits.
- Verdict: Marquee wins here for movie lovers.
7. Reward Multiplier (SmartBuy):
- Diners Club Black: Up to 15% rewards on gift vouchers and offers via SmartBuy.
- Yes Bank Marquee: No SmartBuy equivalent.
- Verdict: DCB’s SmartBuy perks make it appealing for maximizing rewards.
8. Forex Markup:
- Diners Club Black: 2% on foreign transactions
- Yes Bank Marquee: 1% on foreign transactions
- Verdict: Marquee is more economical for international spends.
Conclusion:
Choose Yes Bank Marquee if you value lower renewal fees, rental/utility rewards, movie perks, and better forex rates. Opt for HDFC Diners Club Black Metal if you prioritize lounge access, SmartBuy multipliers, and comprehensive reward accumulation.