Yes Bank American Express Platinum Travel Credit Card vs Yes Bank Select Credit Card: Which is Better in 2026?
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The Yes Bank American Express Platinum Travel Credit Card offers limited benefits, while the Yes Bank Select Credit Card provides a more structured rewards program and additional features. This comparison highlights the differences in rewards, fees, and travel benefits 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 Platinum Travel 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) | — | 4 Reward Points on Every Rs.200 For Offline Shopping |
| 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 is better for rewards, offering 8 reward points on every Rs.200 spent online and 4 points for offline shopping. In contrast, the Yes Bank American Express Platinum Travel Credit Card lacks any defined rewards structure, making it less appealing for those looking to earn points on their spending. The structured rewards program of the Select card is more beneficial for frequent shoppers.
Which is better for travel?
For travel benefits, the Yes Bank Select Credit Card provides one complimentary domestic lounge access per quarter, which can enhance the travel experience for cardholders. The Yes Bank American Express Platinum Travel Credit Card, however, does not offer any lounge access or travel-related perks, making the Select card a better option for travelers seeking comfort during their journeys.
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 waiver of the joining fee if the cardholder spends Rs.10,000. The Yes Bank American Express Platinum Travel Credit Card does not have any fee waiver options. Therefore, while the effective cost is similar, the Select card provides a more flexible approach to fees.
Who should pick Yes Bank American Express Platinum Travel Credit Card?
Consider Yes Bank American Express Platinum Travel Credit Card if you prioritize having an American Express network card, despite its lack of benefits. It may appeal to those who prefer the prestige associated with American Express, even though it lacks tangible rewards and features.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you are looking for a card with a clear rewards structure, travel benefits, and a fee waiver option. This card is suitable for regular shoppers and travelers who want to maximize their benefits from everyday spending.
Frequently Asked Questions
The joining fee for the Yes Bank Select Credit Card is Rs.499.
No, the Yes Bank American Express Platinum Travel Credit Card does not offer any defined rewards.
The Yes Bank Select Credit Card provides one complimentary domestic lounge access per quarter.
Yes, the joining fee can be waived if the cardholder spends Rs.10,000.