YES BANKYES BANK SELECT Credit Card
Moderate online spenders who want a low-fee rewards card with limited domestic lounge access.
- Annual fee
- ₹599 + applicable GST
- Reviewed
- September 9, 2026
- Evidence
- 4 issuer sources
Maintained credit-card comparison
YES BANK SELECT Credit Card vs AU Vetta Credit Card
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
AU Small Finance BankAU Vetta Credit Card
Users wanting a mid-premium AU rewards card with quarterly airport-lounge access and a relatively manageable ₹1.5 lakh renewal-fee waiver threshold.
- Annual fee
- ₹2,999 + applicable taxes.
- Reviewed
- September 11, 2026
- Evidence
- 2 issuer sources
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
littleden.blog · Comparison research sheet
YES BANK SELECT Credit Card vs AU Vetta Credit Card
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/yes-bank-select-credit-card-vs-au-vetta-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Decision checkpoints
Answer the questions that can actually change the choice.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
YES BANK SELECT Credit Card
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
AU Vetta Credit Card
Source review: September 11, 2026
Maintenance: Source recheck advised
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Upcoming recorded effective-date event: October 1, 2026. Check which terms apply to your intended date.
01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.
YES BANK SELECT Credit Card
- Annual fee
- ₹599 + applicable GST
- Fee waiver
- Spend ₹10,000 within 30 days to waive first-year membership fee; spend ₹1 lakh in the anniversary year to waive the next renewal fee
AU Vetta Credit Card
- Annual fee
- ₹2,999 + applicable taxes.
- Fee waiver
- First-year fee waived on ₹40,000 retail spends within 90 days; renewal fee waived on ₹1.5 lakh annual retail spends
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.
YES BANK SELECT Credit Card
- Reward rules
- 8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle
Recorded cautions
- Domestic lounge access is subject to current qualifying-spend rules.
- Reward acceleration is capped.
- Travel value is modest compared with higher YES BANK tiers.
AU Vetta Credit Card
- Reward rules
- Up to 4 Reward Points per ₹100 spent, with quarterly and annual milestone benefits and birthday bonus points under the reviewed issuer page
Recorded cautions
- The forex markup is scheduled to rise to 3.49% from October 1, 2026, so current international-spend economics are temporary.
- Lounge access and Priority Pass use have detailed conditions.
- Reward-point redemption value matters when comparing the headline earn rate.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.
YES BANK SELECT Credit Card
- Lounge conditions
- 1 complimentary domestic airport lounge visit per quarter under the reviewed benefit structure; current lounge access is subject to the bank's qualifying-spend rules
- Forex costs
- 2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
- Eligibility
- Subject to YES BANK underwriting, documentation and internal eligibility policy
AU Vetta Credit Card
- Lounge conditions
- 1 complimentary domestic airport-lounge visit per calendar quarter, with the current ₹50,000 calendar-quarter spend condition, plus 4 complimentary international Priority Pass visits annually (1 per quarter) and 2 railway-lounge visits per calendar quarter.
- Forex costs
- 2.99% cross-currency markup currently; AU states this will revise to 3.49% effective 1 October 2026.
- Eligibility
- Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion
Shared research themes
Put the controlling card fields next to each other.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | YES BANK SELECT Credit Card | AU Vetta Credit Card |
|---|---|---|
| Joining fee | ₹599 + applicable GST | ₹2,999 + applicable taxes under the current AU Key Fact Statement fee table. |
| Annual fee | ₹599 + applicable GST | ₹2,999 + applicable taxes. |
| Fee waiver | Spend ₹10,000 within 30 days to waive first-year membership fee; spend ₹1 lakh in the anniversary year to waive the next renewal fee | First-year fee waived on ₹40,000 retail spends within 90 days; renewal fee waived on ₹1.5 lakh annual retail spends |
| Rewards | 8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle | Up to 4 Reward Points per ₹100 spent, with quarterly and annual milestone benefits and birthday bonus points under the reviewed issuer page |
| Lounge | 1 complimentary domestic airport lounge visit per quarter under the reviewed benefit structure; current lounge access is subject to the bank's qualifying-spend rules | 1 complimentary domestic airport-lounge visit per calendar quarter, with the current ₹50,000 calendar-quarter spend condition, plus 4 complimentary international Priority Pass visits annually (1 per quarter) and 2 railway-lounge visits per calendar quarter. |
| Forex markup | 2.75% foreign-currency conversion charge in the reviewed Schedule of Charges | 2.99% cross-currency markup currently; AU states this will revise to 3.49% effective 1 October 2026. |
| Network | Visa / Mastercard / RuPay variant as offered | Variant as offered by AU Small Finance Bank |
| Eligibility / approval | Subject to YES BANK underwriting, documentation and internal eligibility policy | Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion |
Know what can make either card unsuitable.
These cautions remain attached to the underlying card records instead of being converted into a score.
YES BANK SELECT Credit Card
- Domestic lounge access is subject to current qualifying-spend rules.
- Reward acceleration is capped.
- Travel value is modest compared with higher YES BANK tiers.
AU Vetta Credit Card
- The forex markup is scheduled to rise to 3.49% from October 1, 2026, so current international-spend economics are temporary.
- Lounge access and Priority Pass use have detailed conditions.
- Reward-point redemption value matters when comparing the headline earn rate.
Decision tools
Model the parts of the comparison that depend on your own usage.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Verify both cards from their own issuer evidence.
Each side keeps its own review date, source set and evidence state.
YES BANK SELECT Credit Card
Key Fact StatementReward / value termsLounge terms
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗AU Vetta Credit Card
Issuer product pageFee / charge schedule
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗First-party source appendix
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
YES BANK SELECT Credit Card
Reviewed September 9, 2026 · 4 attached first-party sources
- Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
- Reward / value termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT1D928BE3CBD5424AAF1FAEC534E78032/native/yesbank_credit_card_select_value_chart_nov23.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
- Lounge termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
- Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
AU Vetta Credit Card
Reviewed September 11, 2026 · 2 attached first-party sources
- Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards/vetta-credit-card
- Fee / charge schedulehttps://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf