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AU Vetta Credit Card VS YES Bank RESERV Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Vetta Credit Card
AU Vetta Credit Card
YES Bank RESERV Credit Card
YES Bank RESERV Credit Card

Fees & Charges

Joining Fee
₹2,999 + GST
₹2,499 + GST
Renewal Fee
₹2,999 + GST
₹2,499 + GST
Spend Based Waiver
First-year fee waived with ₹40,000 retail spend in 90 days. Subsequent years with ₹1.5 lakh spend.
Joining Fee waived on spending ₹40,000 within 30 days. Renewal Fee waived on annual spends of ₹3 Lakh or more.
Foreign Transaction Fees
2.99% of the transaction amount.
1.75% (plus applicable taxes)
Interest Rate (APR)
3.75% Per Month (45% Per Annum) on revolving credit.
2.99% per month (35.88% annually)

Rewards & Benefits

Welcome Bonus
First-year fee waiver on retail spends of ₹40,000 within 90 days of card setup.
Not Applicable (as explicitly stated in card details)
Rewards Rate
Earn 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends.
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.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
A fee of ₹99 + GST applies for reward redemption.
₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on spends of ₹20,000.
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.
International Lounge Access
1 complimentary international airport lounge access per quarter via Priority Pass (on request).
6 complimentary international lounge accesses outside India each year for primary and add-on cardholders.
Travel Benefits
Global Concierge Assistance for travel bookings. Comprehensive insurance covers baggage loss, flight delays.
Travel offers are available on the Yes Privileges portal. Reward Points are transferable to partner airlines’ AirMiles.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Dedicated concierge services can help with planning anniversary dinners.
Not Applicable
Golf Benefits
Global Concierge Assistance can arrange golf sessions.
4 complimentary rounds of golf with green fee waived per year and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400-₹5,000, max ₹250 per statement cycle.
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Covers Air Accident (₹50 Lakhs), Card Liability, Credit Shield (₹5 Lakhs), Purchase Protection (₹25,000).
Coverage worth ₹3 crore for air accident, ₹50 lakh for emergency overseas hospitalization, and credit shield up to ₹15 lakh.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Vetta Credit Card

YES Bank RESERV Credit Card

Who is it for?

The AU Vetta Credit Card is a premium lifestyle card offering accelerated reward points on grocery and departmental store spends. It provides extensive travel privileges, including complimentary domestic and international lounge access, and a dedicated 24x7 global concierge service. Cardholders also benefit from comprehensive insurance coverage and a waiverable annual fee, making it a well-rounded choice for everyday spending and premium lifestyle needs.

Who is it for?

The YES Bank RESERV Credit Card is a premium offering, ideal for high-net-worth individuals seeking extensive travel and lifestyle benefits. It features an industry-low 1.75% foreign currency markup and generous international lounge access. Cardholders also enjoy complimentary golf rounds, comprehensive insurance, and attractive reward rates on online shopping. While domestic lounge access is spend-based, its overall premium perks make it a strong contender in the high-end credit card segment.

Pros

Key benefits and features.

Offers attractive reward rates on everyday spending like grocery and departmental stores.

Provides extensive complimentary lounge access at airports and railway stations in India.

Includes comprehensive insurance coverage for air accidents, purchase, and card liability.

Dedicated 24x7 global concierge services enhance travel and lifestyle experiences.

Annual fee waiver is easily achievable with moderate retail spending requirements.

Pros

Key benefits and features.

Enjoys one of the industry's lowest foreign currency markups at just 1.75%.

Offers 6 complimentary international lounge accesses annually for primary and add-on cardholders.

Provides extensive insurance coverage, including air accident and overseas hospitalization.

High reward rate for online shopping, earning 24 points for every ₹200 spent.

Offers complimentary golf rounds and lessons, enhancing its premium lifestyle appeal.

Cons

Key drawbacks and limitations.

The AU Vetta Credit Card charges a significant annual fee of ₹2,999 + GST.

A redemption fee of ₹99 + GST is applicable when redeeming AU Vetta Reward Points.

A high foreign currency markup of 2.99% makes international spends less rewarding.

High interest rates apply to revolving credit, reaching up to 45% per annum.

Many transaction types like fuel, rent, and utilities are excluded from earning reward points.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on meeting a ₹1 Lakh spend threshold in the prior quarter.

Reward points are not earned on fuel, cash withdrawals, rental/wallet, or EMI payments.

A fee of ₹100 + GST is charged for every reward point redemption request.

No explicit welcome benefits despite being a premium card with a joining fee.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.