Union Bank of India Divaa RuPay Credit Card VS YES Select Credit Card
Both Union Bank of India Divaa RuPay Credit Card and YES Select Credit Card suit travel-focused spenders, but they earn and cost differently. Union Bank of India Divaa RuPay Credit Card is lifetime-free and earns 2 Reward Points for every ₹100 spent across all purchases. YES Select Credit Card costs ₹599 + GST and earns 8 YES Rewardz Points on every INR 200 spent online and 4 points offline (excluding select categories). Union Bank of India Divaa RuPay Credit Card also brings 2 complimentary domestic airport lounge visits every quarter, while YES Select Credit Card counters with 1 complimentary domestic lounge access each calendar quarter on meeting a spending threshold. If travel spending matters more, go with Union Bank of India Divaa RuPay Credit Card; if shopping is the priority, YES Select Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Union Bank of India Divaa RuPay Credit Card
YES Select Credit Card
Who is it for?
Who is it for?
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.
Offers accelerated reward points on online shopping, maximizing savings.
Provides valuable lifestyle benefits including movie, dining, and golf privileges.
Includes complimentary domestic lounge access, enhancing travel convenience.
Features spend-based fee waivers, making it cost-effective for active users.
Offers purchase protection for electronics, adding security to online purchases.
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 capped for online spends, limiting high earners' benefits.
A rewards redemption fee of ₹100 + GST is charged for point redemptions.
No international lounge access, which might be a drawback for global travelers.
Lower reward points on specific categories like insurance and utilities.
High interest rate of 3.99% per month if balances are not paid in full.