vs
In short: BOB Easy has the lower annual fee (₹500 vs ₹999); Yes Elite Plus has the lower forex markup (2.75% vs 3.5%).
| Key facts | BOB Easy | Yes Elite Plus |
|---|---|---|
| Annual fee | ₹500 | ₹999 |
| Joining fee | ₹500 | ₹999 |
| Annual fee waived | On ₹35,000 annual spend | On ₹2 lakh annual spend |
| Top reward rate | 5X Reward Points on Movies | 12 Reward Points on Every ₹200 For Online Shopping |
| Base rewards | 1 Reward Point per ₹100 | 4 Reward Points on Every ₹200 |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 2.75% |
From issuer benefit data, checked 27 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn rate. Yes Bank Elite Plus Credit Card lists more lounge access benefits. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Bank Of Baroda Easy Visa Credit Card | Yes Bank Elite Plus Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.999 |
| Annual / renewal fee | Annual Fee of Rs.500 | Renewal Fee of Rs.999 |
| Annual fee waiver | Spend Rs.35000 For Annual Fee Waiver | Spend Rs.200000 For Renewal Fee Waiver |
| Top reward rate | 5X Reward Points on Movies | 12 Reward Points on Every Rs.200 For Online Shopping |
| Base rate (other spends) | Earn 1 Reward Point per Rs.100 | 4 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 3 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Bank Of Baroda Easy Visa Credit Card shows a higher headline earn rate (5X Reward Points on Movies vs 12 Reward Points on Every Rs.200 For Online Shopping). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Yes Bank Elite Plus Credit Card lists more lounge access benefits (domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: 3 Complimentary Airport Lounge Access Per Year). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Bank Of Baroda Easy Visa Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Consider Bank Of Baroda Easy Visa Credit Card if you already bank with Bank Of Baroda, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Consider Yes Bank Elite Plus Credit Card if you already bank with Yes Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Lounge access listed for each card: Yes Bank Elite Plus Credit Card — domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: 3 Complimentary Airport Lounge Access Per Year. Bank Of Baroda Easy Visa Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Bank Of Baroda and Yes Bank websites before you travel.
The listed renewal fees are about ₹500 vs ₹999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Bank Of Baroda and Yes Bank websites for the final number.
Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn rate (5X Reward Points on Movies vs 12 Reward Points on Every Rs.200 For Online Shopping). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Bank Of Baroda Easy Visa Credit Card: Spend Rs.35000 For Annual Fee Waiver Yes Bank Elite Plus Credit Card: Spend Rs.200000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Bank Of Baroda Easy Visa Credit Card: 3.5% - Foreign Currency Transactions Yes Bank Elite Plus Credit Card: 2.75% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Bank Of Baroda and Yes Bank websites.
Bank Of Baroda Easy Visa Credit Card: Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 Yes Bank Elite Plus Credit Card: Not listed in our data. Welcome campaigns are time-bound — verify eligibility and fulfilment on the Bank Of Baroda and Yes Bank websites.