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The Axis Bank Rewards Visa Credit Card and Yes Bank Select Credit Card both offer distinct benefits catering to different spending habits. Axis Bank's card emphasizes accelerated rewards on apparel and departmental stores with a higher joining fee and fee waiver threshold. Yes Bank's card, with a lower fee and forex markup, focuses on online shopping rewards and includes unique golf-related perks. Both cards provide complimentary domestic lounge access but differ in frequency and additional benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Rewards Visa Credit Card | Yes Bank Select Credit Card |
|---|---|---|
| Bank | Axis Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.499 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.1000 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.100000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 10X Reward Points on Apparel and Departmental Stores. | 8 Reward Points on Every Rs.200 For Online Shopping |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | 1 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | Welcome Benefit - Enjoy 5000 EDGE Reward Points | — |
| Milestone benefit | Earn 1500 EDGE Reward Points on Spends of Rs.30000 | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
The Axis Bank Rewards Visa Credit Card offers higher accelerated reward points, especially 10X points on apparel and departmental stores, making it attractive for shoppers in these categories. It also provides a welcome benefit of 5000 EDGE Reward Points and milestone rewards, which Yes Bank's card lacks. Yes Bank Select Credit Card offers a straightforward reward structure with 8 points on online shopping and 4 points offline, but without welcome or milestone benefits. Overall, Axis Bank's card is better suited for maximizing rewards if you spend in its preferred categories.
Both cards offer complimentary domestic airport lounge access, with Axis Bank providing 2 accesses per quarter compared to Yes Bank's 1 per quarter, giving Axis Bank a slight edge for frequent travelers. However, neither card offers international lounge access. Yes Bank's card supports redemption of reward points into air miles for airlines like InterMile and Vistara, which may appeal to travel enthusiasts. Considering these factors, the travel benefits are fairly balanced, with a slight preference depending on lounge usage versus air miles redemption.
Yes Bank Select Credit Card has a lower joining and renewal fee of Rs.499 compared to Axis Bank's Rs.1000, and a lower fee waiver threshold of Rs.1,00,000 versus Rs.2,00,000. Additionally, Yes Bank charges a lower forex markup of 2.75% compared to Axis Bank's 3.5%, making it more cost-effective for foreign currency transactions. Axis Bank's card has a higher fee but offers more complimentary lounge accesses. Overall, Yes Bank's card is more economical for users sensitive to fees and forex charges.
Yes Bank Select Credit Card charges a lower forex markup fee of 2.75% compared to Axis Bank Rewards Visa Credit Card's 3.5%, making it more suitable for cardholders who often transact in foreign currencies.
Yes Bank Select Credit Card offers unique golf-related perks including 12 complimentary golf lessons and 4 complimentary rounds of green fees per year, along with a 50% discount on green fees. Axis Bank's card does not provide golf benefits.
Consider Axis Bank Rewards Visa Credit Card if you prioritize higher reward points on apparel and departmental store spending, value welcome and milestone rewards, and frequently use domestic airport lounges. This card suits shoppers looking to maximize rewards in specific categories and who are comfortable with a higher fee and spend threshold for fee waiver.
Consider Yes Bank Select Credit Card if you prefer a lower joining and renewal fee with a more accessible fee waiver, seek better forex transaction rates, and enjoy golf-related benefits. This card is suitable for users who shop online frequently, want to convert rewards into air miles, and prefer a cost-effective card with moderate lounge access.
Axis Bank Rewards Visa Credit Card has a joining and renewal fee of Rs.1000, while Yes Bank Select Credit Card charges Rs.499 for both.
Axis Bank Rewards Visa Credit Card offers 10X reward points on apparel and departmental stores, which is higher than Yes Bank Select Credit Card.
Yes, Axis Bank Rewards Visa Credit Card offers 2 complimentary domestic lounge accesses per quarter, whereas Yes Bank Select Credit Card offers 1 per quarter. Neither offers international lounge access.
Yes, Axis Bank charges 3.5% on foreign currency transactions, while Yes Bank charges 2.75%, making Yes Bank more economical for forex spends.
Axis Bank Rewards Visa Credit Card provides a welcome benefit of 5000 EDGE Reward Points and milestone rewards on spending Rs.30,000. Yes Bank Select Credit Card does not offer welcome or milestone benefits.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.