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YES FIRST Business Credit Card VS Aditya Birla AU Bank Credit Cards

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

YES FIRST Business Credit Card
YES FIRST Business Credit Card
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards

Fees & Charges

Joining Fee
₹999 + GST
Nil
Renewal Fee
₹999 + GST
Nil
Spend Based Waiver
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Joining fee waiver on Rs. 15,000 spend, and renewal fee waiver on Rs. 1.5 lakh spend (ABC Pro).
Foreign Transaction Fees
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
Ranges from 1.99% (ABC Pro) to 3.50% (ABC Flex, Biz) of the transaction amount.
Interest Rate (APR)
3.99% per month (47.88% per annum) on outstanding due amount.
3.59% Per Month (43.08% Annually).

Rewards & Benefits

Welcome Bonus
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Up to 1,000 Reward Points as welcome benefits; ABC Pro card offers 1,000 points on first transaction.
Rewards Rate
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹100 + GST charge for redeeming reward points.
Not Applicable

Travel & Lifestyle

Domestic Lounge Access
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
Complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Complimentary international lounge access, with 1 visit per year included with ABC Pro Credit Card.
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Accelerated Reward Points on travel, free Railway Lounge Access, and optional 5% cashback.
Movie Benefits
Not Applicable
Accelerated Reward Points on Movies & Entertainment categories.
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Accelerated Reward Points, exclusive discounts up to 30% with partners, and optional 5% cashback.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
1% Fuel Surcharge Waiver is applicable.

Security & Other

Insurance Benefits
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹300.
2.5%.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

Aditya Birla AU Bank Credit Cards

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Who is it for?

Aditya Birla AU Bank Credit Cards offer a versatile suite catering to diverse needs, featuring lifetime free options and customizable benefits. They provide accelerated reward points on various categories like travel, dining, and business, along with exclusive memberships to popular platforms. Cardholders can also enjoy lounge access and tailored offers, making them suitable for both personal and business users seeking value and flexibility.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Pros

Key benefits and features.

Lifetime free options eliminate joining and renewal charges for select card variants.

Offers innovative customizable features allowing users to tailor benefits like cashback and lounge access.

Accelerated reward points on diverse categories including travel, dining, utilities, and business expenses.

Provides exclusive memberships to popular platforms such as ZEE5, Amazon Prime, and Cult.fit.

Lower foreign currency markup available with ABC Pro, beneficial for international transactions.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

Cons

Key drawbacks and limitations.

The reward point earning structure varies significantly, making it complex to maximize benefits across cards.

Limited or no insurance and golf benefits, which are common offerings in other premium credit cards.

Lifetime free options are limited to specific variants, with other cards incurring joining and renewal fees.

The customizable features come with additional costs, reducing their overall value proposition.

Reward points are not earned on specific spends like Fuel, Jewellery, Insurance, and Rent for Flex card.

Ready to Choose?

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