IndusInd Legend Visa Credit Card vs Yes Bank Select Credit Card: Which is Better in 2026?
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In short: IndusInd Legend has the lower annual fee (none vs ₹499); both include 1 airport lounge visit a quarter; IndusInd Legend has the lower forex markup (1.8% vs 2.75%).
| Key facts | IndusInd Legend | Yes Select |
|---|---|---|
| Annual fee | None | ₹499 |
| Joining fee | ₹5,000 | ₹499 |
| Annual fee waived | Not listed | On ₹1 lakh annual spend |
| Lounge access | 1 airport lounge visit a quarter | 1 airport lounge visit a quarter |
| Forex markup | 1.8% | 2.75% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Indusind Legend Visa Credit Card and the Yes Bank Select Credit Card cater to different user preferences with distinct fee structures, rewards, and travel benefits. Indusind Legend offers premium welcome vouchers and international lounge access, while Yes Bank Select focuses on versatile reward points and golf-related perks. Both provide quarterly domestic lounge access but differ in forex fees and milestone rewards.
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 | Indusind Legend Visa Credit Card | Yes Bank Select Credit Card |
|---|---|---|
| Bank | IndusInd Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.5000 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fees - Nil | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.100000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 on Weekdays | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | 1 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | Travel Plus Programme - 8 Lounge Access Per Year | — |
| Welcome benefit | Enjoy Complimentary Night Gift Voucher at Oberoi Hotel | — |
| Milestone benefit | Spend Rs.5 Lakhs and Earn 3000 Bonus Reward Points | — |
| Foreign currency markup | 1.8% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
Both cards offer reward points but with different earning patterns. Indusind Legend provides 1 reward point per Rs.100 on weekdays and bonus points on select categories like education and utilities, plus a milestone bonus after spending Rs.5 lakhs. Yes Bank Select offers a straightforward structure with 2 points per Rs.200 generally, doubling for offline shopping and quadrupling for online shopping, capped at 5000 points monthly for online spends. The Yes Bank card may appeal more to frequent online shoppers, while Indusind Legend rewards broader spending categories and milestone bonuses.
Which is better for travel?
Indusind Legend has a stronger travel focus with 1 complimentary domestic lounge access per quarter and 8 international lounge accesses annually via the Travel Plus Programme. It also includes premium welcome benefits such as complimentary night vouchers at luxury hotels. Yes Bank Select matches the domestic lounge access but lacks international lounge benefits. However, Yes Bank Select offers unique golf privileges, including complimentary lessons and discounted green fees, catering to a niche travel and leisure segment.
Which has lower effective cost?
The Yes Bank Select Credit Card is more accessible with a lower joining fee of Rs.499 and a renewal fee of Rs.499, which can be waived by spending Rs.100,000 annually. In contrast, Indusind Legend charges a higher joining fee of Rs.5000 but has no renewal fee. Forex markup is lower on Indusind Legend at 1.8% compared to Yes Bank Select's 2.75%, which may benefit frequent international travelers. Overall, Yes Bank Select is more beginner-friendly due to its lower upfront cost and fee waiver option.
Golf Benefits
Yes Bank Select Credit Card offers exclusive golf-related perks including 12 complimentary golf lessons per year and 4 complimentary rounds of green fees annually, plus a 50% discount on green fees. Indusind Legend does not provide golf benefits, making Yes Bank Select attractive to golf enthusiasts.
Forex Charges
Indusind Legend Visa Credit Card has a lower forex markup fee of 1.8% compared to Yes Bank Select's 2.75%, which may result in cost savings for users who frequently make foreign currency transactions.
Fee Waiver Conditions
Yes Bank Select offers a renewal fee waiver if the cardholder spends Rs.100,000 annually, making it potentially more cost-effective over time. Indusind Legend has no renewal fee but a significantly higher joining fee, which may be a consideration for cost-conscious users.
Who should pick Indusind Legend Visa Credit Card?
Consider Indusind Legend Visa Credit Card if you value premium travel benefits like international lounge access and luxury welcome vouchers. This card suits users who spend heavily across diverse categories and can benefit from milestone rewards. Its lower forex markup also makes it a practical choice for international transactions despite the higher joining fee.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you prefer a lower joining fee and a clear renewal fee waiver condition. It's ideal for frequent online shoppers who want higher reward points on digital spends and for golf enthusiasts who can utilize complimentary lessons and discounted green fees. This card is also suitable for those seeking consistent domestic lounge access without a high upfront cost.
Frequently Asked Questions
Indusind Legend Visa Credit Card has a joining fee of Rs.5000 with no renewal fee, while Yes Bank Select Credit Card charges Rs.499 for both joining and renewal, with renewal fee waiver available on spending Rs.100,000 annually.
Yes Bank Select Credit Card offers 8 reward points on every Rs.200 spent on online shopping, capped at 5000 points monthly. Indusind Legend does not specify enhanced rewards for online shopping.
Yes, both cards offer 1 complimentary domestic airport lounge access per quarter. Additionally, Indusind Legend provides 8 international lounge accesses per year via the Travel Plus Programme, which Yes Bank Select does not.
Indusind Legend Visa Credit Card offers a milestone benefit of 3000 bonus reward points upon spending Rs.5 lakhs. Yes Bank Select Credit Card does not list any milestone benefits.
Indusind Legend Visa Credit Card charges a forex markup of 1.8%, while Yes Bank Select Credit Card charges 2.75% on foreign currency transactions.
Yes Bank Select Credit Card provides golf-related benefits including complimentary golf lessons and discounted green fees. Indusind Legend offers luxury welcome vouchers and concierge services.