Yes Bank American Express Gold Credit Card vs Yes Bank Select Credit Card: Which is Better in 2026?
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The Yes Bank American Express Gold Credit Card offers limited benefits, while the Yes Bank Select Credit Card provides a more robust rewards structure and additional perks. This comparison highlights key differences in rewards, travel benefits, and fees between the two cards.
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 | Yes Bank American Express Gold Credit Card | Yes Bank Select Credit Card |
|---|---|---|
| Bank | Yes Bank | Yes Bank |
| Network | American Express | MasterCard |
| Joining fee | — | Joining Fee of Rs.499 |
| Annual / renewal fee | — | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.10000 For Joining Fee Waiver |
| Reward rate (headline) | — | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | — |
| Milestone benefit | — | — |
| Foreign currency markup | — | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
The Yes Bank Select Credit Card stands out for rewards, offering 2 Reward Points on every Rs.200 spent, with enhanced rates for online and offline shopping. In contrast, the Yes Bank American Express Gold Credit Card lacks any reward structure, making it less appealing for those looking to earn points on their spending.
Which is better for travel?
For travel benefits, the Yes Bank Select Credit Card provides 1 complimentary airport lounge access per quarter, which can be valuable for frequent travelers. The Yes Bank American Express Gold Credit Card does not offer any lounge access or travel-related perks, making it less suitable for those who travel often.
Which has lower effective cost?
Both cards have a joining and renewal fee of Rs.499, but the Yes Bank Select Credit Card offers a fee waiver if a spending threshold of Rs.10,000 is met. The Yes Bank American Express Gold Credit Card does not have any fee waiver options, which may result in a higher effective cost for users who do not spend enough.
Who should pick Yes Bank American Express Gold Credit Card?
Consider Yes Bank American Express Gold Credit Card if you prefer a card with no joining or renewal fees and do not require rewards or travel benefits. It may suit those who want a straightforward card without the complexities of rewards programs.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you value earning rewards on your purchases and appreciate travel benefits like lounge access. This card is ideal for users who frequently shop online and offline, as well as those who travel regularly.
Frequently Asked Questions
No, the Yes Bank American Express Gold Credit Card does not provide any rewards or benefits.
The Yes Bank Select Credit Card has a joining fee and renewal fee of Rs.499 each.
Yes, the fee can be waived if you spend Rs.10,000.
The Yes Bank Select Credit Card offers 1 complimentary airport lounge access per quarter.