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Union Bank of India Divaa RuPay Credit Card VS YES Select 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

Union Bank of India Divaa RuPay Credit Card
Union Bank of India Divaa RuPay Credit Card
YES Select Credit Card
YES Select Credit Card

Fees & Charges

Joining Fee
Nil
₹599 + GST
Renewal Fee
₹499 + GST
₹599 + GST
Spend Based Waiver
Annual renewal fee waived if cardholder spends ₹30,000 or more in the previous year.
Joining fee waived on ₹10,000 spend in 1 month; Renewal fee waived on ₹1 lakh spend in 12 months.
Foreign Transaction Fees
3% on international spends.
2.75% on all foreign currency spends.
Interest Rate (APR)
2.5% per month or 30% annually.
3.99% per month (47.88% annually) on Revolving Credit, Cash Advances, and Overdue Amount.

Rewards & Benefits

Welcome Bonus
No joining fee; no explicit welcome voucher or bonus reward points mentioned.
Joining fee waiver on achieving a spend threshold of ₹10,000 within one month of card setup.
Rewards Rate
2 Reward Points for every ₹100 spent across all purchases.
Earn 8 YES Rewardz Points on every INR 200 spent online and 4 points offline (excluding select categories).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Not applicable.
₹100 + GST.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge visits every quarter.
1 complimentary domestic lounge access each calendar quarter on meeting a spending threshold.
International Lounge Access
2 complimentary international airport lounge visits annually.
Not Applicable
Travel Benefits
Domestic and international lounge access (2 domestic visits/quarter, 2 international visits/year); interest-free credit period up to 50 days.
Complimentary domestic lounge access quarterly, plus offers on travel bookings.
Movie Benefits
Redeem reward points for movie ticket bookings; 1 Reward Point = ₹0.10 value.
Dining Benefits
Avail great offers on dining in selected Indian cities.
Golf Benefits
4 complimentary green fees annually and 1 complimentary golf lesson per month.
Fuel Surcharge Waiver
1% fuel surcharge levied but waived up to ₹100 every month; 1% fuel surcharge reimbursement up to ₹100 per card per month.
1% waiver on fuel transactions between Rs. 400-5,000, capped at INR 125 per statement cycle.

Security & Other

Insurance Benefits
Complimentary personal accident insurance up to ₹2 lakh; optional additional accidental cover up to ₹10 lakh (premium payable by cardholder).
Purchase Protection for mobile phones and electronics bought online, covering accidental damages for 6 months.
Cash Advance Charges
₹250 or 3% of the withdrawal amount, whichever is higher.
3.5% of the amount withdrawn.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Union Bank of India Divaa RuPay Credit Card

YES Select Credit Card

Who is it for?

The Union Bank Of India Divaa RuPay Credit Card is a women-centric mid-range card that combines low fees with strong travel and lifestyle perks. It offers complimentary domestic and international lounge access, personal accident insurance, UPI via BHIM, and exclusive discounts at women-focused brands. Ideal for women seeking value-driven travel, shopping, and everyday benefits with an interest-free period and spend-based fee waiver.

Who is it for?

The YES Select Credit Card is designed for online shoppers, offering accelerated reward points on digital transactions. It includes valuable perks like complimentary domestic lounge access, golf privileges, and robust security features. The card also provides spend-based waivers on joining and renewal fees, making it an attractive option for those seeking a comprehensive rewards system and lifestyle benefits.

Pros

Key benefits and features.

No joining fee and low annual fee of ₹499 + GST, with a spend-based waiver at ₹30,000.

Complimentary domestic and international lounge access plus 24/7 concierge services for travel convenience.

Personal accident insurance up to ₹2 lakh and optional higher accidental cover for enhanced security.

Interest-free credit period up to 50 days and 1% fuel surcharge reimbursement up to ₹100 monthly.

UPI on credit card via BHIM app and exclusive discounts at women-focused brands like Nykaa and Lakme Salon.

Pros

Key benefits and features.

Enjoy accelerated reward points on your online shopping across various categories.

Benefit from complimentary domestic lounge access quarterly, enhancing your travel comfort.

Get free golf rounds and lessons annually, a significant perk for enthusiasts.

Access purchase protection for electronics, offering security for your online purchases.

Achieve fee waivers on both joining and renewal based on your annual spending patterns.

Cons

Key drawbacks and limitations.

No welcome benefits or joining perks, making the initial value proposition modest for new users.

Lounge access limited to 2 domestic visits per quarter and 2 international visits annually, which may fall short for frequent travelers.

No specific dining or entertainment discounts, reducing appeal for lifestyle-focused spend categories.

Rewards redemption value is modest at ₹0.25 per point, below top-tier cards with higher redemption rates.

Limited to women applicants with defined income and documentation requirements, narrowing eligibility.

Cons

Key drawbacks and limitations.

Reward points are not earned on specific transactions like fuel, rental, and wallet spends.

Capping applies to reward points earned on online shopping and utility transactions monthly.

Additional charges are levied on certain transactions exceeding specified monthly thresholds.

A redemption fee is applicable when you wish to encash or use your earned reward points.

Card is not available to individuals who already hold another YES BANK Credit Card.

Ready to Choose?

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