Bank Of Baroda Premier Visa Credit Card vs Yes Bank Select Credit Card: Which is Better in 2026?
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The Bank Of Baroda Premier Visa Credit Card and the Yes Bank Select Credit Card both offer complimentary domestic airport lounge access and fuel surcharge waivers, but they differ in rewards focus, fees, and forex charges. Bank Of Baroda card emphasizes accelerated rewards on travel and dining, while Yes Bank card provides higher points on offline and online shopping along with golf benefits. Fee structures and forex markups also vary, influencing overall cost-effectiveness depending on usage.
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 | Bank Of Baroda Premier Visa Credit Card | Yes Bank Select Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.499 |
| Annual / renewal fee | Annual Fee of Rs.1000 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.10000 For Joining Fee Waiver | Spend Rs.10000 For Joining Fee Waiver |
| Reward rate (headline) | 5X Reward Points on Travel | 4 Reward Points on Every Rs.200 For Offline Shopping |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | 1 Complimentary Airport Lounge Access Per Quarter |
| 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 |
Which is better for rewards?
The Bank Of Baroda Premier Visa Credit Card is better suited for users who prioritize travel and dining rewards, offering 5X points on both categories and a straightforward reward point accrual system. In contrast, the Yes Bank Select Credit Card focuses more on retail shopping rewards, with 4 points per Rs. 200 offline and 8 points per Rs. 200 online, capped at 5000 points for online shopping. Additionally, Yes Bank allows redemption of points for airmiles with partners like Intermiles and Vistara, which may appeal to frequent flyers who shop more. Overall, for travel and dining-centric rewards, the Bank Of Baroda card leads, while Yes Bank caters better to shopping enthusiasts.
Which is better for travel?
Both cards offer one complimentary domestic airport lounge access per quarter and a 1% fuel surcharge waiver, making them comparable for travel convenience. However, the Bank Of Baroda card's 5X reward points on travel expenses provide stronger incentives for travel spenders. Yes Bank Select offers unique golf-related benefits such as discounted green fees and complimentary golf lessons, which may appeal to niche travelers interested in golf. Forex markup fees differ, with Bank Of Baroda charging 3.5% and Yes Bank charging a lower 2.75%, making Yes Bank more cost-effective for international travel transactions.
Which has lower effective cost?
The Yes Bank Select Credit Card has a lower joining and renewal fee of Rs. 499 each, compared to Rs. 1000 for the Bank Of Baroda Premier Visa Credit Card. Both cards offer fee waivers on spending Rs. 10,000, but the lower base fees and forex markup of 2.75% for Yes Bank make it more economical for users with moderate international transactions. Bank Of Baroda’s higher forex markup and fees on cash withdrawals and fuel transactions may increase costs for frequent users. Overall, Yes Bank Select is more beginner-friendly and cost-effective in terms of fees and forex charges.
Golf Benefits
Yes Bank Select Credit Card offers unique golf-related perks including 50% discount on green fees, four complimentary rounds per year, and 12 complimentary golf lessons annually. These benefits are not available with the Bank Of Baroda Premier Visa Credit Card, making Yes Bank more attractive for golf enthusiasts.
Forex Charges
The Bank Of Baroda Premier Visa Credit Card charges a higher forex markup of 3.5% on foreign currency transactions compared to 2.75% by Yes Bank Select Credit Card. This difference can impact cost-effectiveness for users who frequently spend abroad or shop on international websites.
Who should pick Bank Of Baroda Premier Visa Credit Card?
Consider Bank Of Baroda Premier Visa Credit Card if you spend significantly on travel and dining, as it offers accelerated 5X reward points in these categories along with a welcome benefit of 500 points on minimum spends. It is suitable for users who want strong travel rewards and are comfortable with a higher joining fee in exchange for these benefits.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you prefer a lower joining and renewal fee, shop frequently both offline and online, and value golf-related benefits. Its lower forex markup also makes it a better choice for international transactions. This card suits beginners and lifestyle-focused users looking for versatile rewards and cost savings.
Frequently Asked Questions
Bank Of Baroda Premier Visa Credit Card has a joining and renewal fee of Rs. 1000 each, while Yes Bank Select Credit Card charges Rs. 499 for both joining and renewal.
Yes, both cards provide one complimentary domestic airport lounge access per quarter.
Yes Bank Select Credit Card has a lower forex markup of 2.75%, compared to 3.5% charged by Bank Of Baroda Premier Visa Credit Card.
Bank Of Baroda Premier Visa Credit Card offers 500 reward points as a welcome benefit on spends of Rs. 5000, whereas Yes Bank Select Credit Card does not have a welcome benefit.
Yes, Yes Bank Select Credit Card allows redemption of reward points for airmiles with partners like Intermiles and Vistara. Bank Of Baroda card offers reward points primarily for cashback redemption.
Both cards offer a 1% fuel surcharge waiver across all petrol pumps.