Yes Bank Marquee vs BoB Eterna for international spends.

[avijith7]

Between the Yes Bank Marquee Credit Card and BoB Eterna Credit Card, which card gives a higher reward rate for international spends, for both online and offline spends?

 

[helloworld]

Yes: -1.18% (redemption through flight or hotel booking or food vouchers)

BOb: -2.36% (redemption through cashback)

Yes marque reward rate:

Thread 'YES Marquee vs YES Reserv 3x vs YES Reserv 5x' https://www.technofino.in/community/threads/yes-marquee-vs-yes-reserv-3x-vs-yes-reserv-5x.24652/

Bob reward rate: 3.75% (unless mcc messed up).

 

[diptarkaroy]

Yes: -1.18% (redemption through flight or hotel booking or food vouchers)

BOb: -2.36% (redemption through cashback)

Yes marque reward rate:

Thread 'YES Marquee vs YES Reserv 3x vs YES Reserv 5x' https://www.technofino.in/community/threads/yes-marquee-vs-yes-reserv-3x-vs-yes-reserv-5x.24652/

Bob reward rate: 3.75% (unless mcc messed up).

Forex markup:
Yes : 1.18%
Bob : 2.36%

Reward rate:
Yes : 2.25% (offline), 4.5% (online)
Bob : 3.75% (both)

Effective return:
Yes: 1.1% (offline), 3.3% (online)
Bob: 1.4% (both)

 

[avijith7]

Yes: -1.18% (redemption through flight or hotel booking or food vouchers)

BOb: -2.36% (redemption through cashback)

Yes marque reward rate:

Thread 'YES Marquee vs YES Reserv 3x vs YES Reserv 5x' https://www.technofino.in/community/threads/yes-marquee-vs-yes-reserv-3x-vs-yes-reserv-5x.24652/

Bob reward rate: 3.75% (unless mcc messed up).

What do you mean messed up MCCs?

 

[avijith7]

Forex markup:
Yes : 1.18%
Bob : 2.36%

Reward rate:
Yes : 2.25% (offline), 4.5% (online)
Bob : 3.75% (both)

Effective return:
Yes: 1.1% (offline), 3.3% (online)
Bob: 1.4% (both)

So on an average the net return is better in BoB Eterna Card than on Yes Bank Marquee Card.

 

[helloworld]

What do you mean messed up MCCs?

https://www.technofino.in/community/threads/no-cashback-on-apollo-247.19666/post-425696

Depends on where you purchase and what mcc they provide. To be safe always do test transaction.

 

[diptarkaroy]

So on an average the net return is better in BoB Eterna Card than on Yes Bank Marquee Card.

If your transactions are mostly offline then ETERNA is the way to go
But even if the split is 75-25 between offline and online then MARQUEE could be better

And you can also check Yes RESERV with subscriptions… that would be the best choice