AU Vetta Credit Card VS YES Bank RESERV Credit Card
Both AU Vetta Credit Card and YES Bank RESERV Credit Card suit travel-focused spenders, but they earn and cost differently. AU Vetta Credit Card costs ₹2,999 + GST and earns 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends. YES Bank RESERV Credit Card costs ₹2,499 + GST and earns 24 Reward Points for every ₹200 spent on online shopping; 12 Reward Points for every ₹200 spent on offline shopping; 6 Reward Points for every ₹200 spent on select categories. AU Vetta Credit Card also brings 1 complimentary domestic airport lounge access per quarter on spends of ₹20,000, while YES Bank RESERV Credit Card counters with 12 complimentary domestic lounge accesses annually (3 per quarter) for primary and add-on cardholders, but requires a ₹1 Lakh spend in the previous quarter. If shopping spending matters more, go with AU Vetta Credit Card; if travel is the priority, YES Bank RESERV Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Vetta Credit Card
YES Bank RESERV Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
High reward rate of 4X points on grocery and departmental store purchases, maximizing savings.
Enjoy complimentary domestic and international airport lounge access, enhancing travel comfort.
Benefit from comprehensive insurance coverage, including air accident and purchase protection.
Access a dedicated 24x7 global concierge service for travel, dining, and golf assistance.
Attractive milestone benefits reward consistent spending with bonus points and brand vouchers.
Pros
Key benefits and features.
One of the lowest foreign currency markups at 2% makes international spending highly economical.
Offers 6 complimentary international lounge visits annually for both primary and add-on cardholders.
Provides valuable golf privileges including 4 complimentary rounds and a lesson each year.
Comprehensive insurance benefits like Credit Shield and Lost Card Liability Protection are included.
Attractive reward rate, earning up to 24 points per ₹200 spent, especially for online transactions.
Cons
Key drawbacks and limitations.
Reward points are not earned on essential categories like fuel, rent, education, and government spends.
Complimentary lounge access is conditional on achieving specific quarterly spending thresholds.
A redemption fee of ₹99 + GST is applicable for every reward point redemption transaction.
The foreign currency markup of 2.99% is standard and not competitive for international use.
High interest rate of 2.99% per month on revolving credit can be a significant drawback.
Cons
Key drawbacks and limitations.
Domestic lounge access is spend-based, requiring ₹1 Lakh spend in the previous quarter.
A rewards redemption fee of ₹100 + GST is charged for redeeming accumulated points.
High interest rates of 2.99% per month can be a significant drawback if balances are carried.
Reward points are not awarded for fuel, cash withdrawals, rental, or wallet payments.
The annual fee of ₹2,499 + GST is relatively high if waiver conditions are not met.