Skip to content
bankingreference.infoIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
Head-to-head

PNB RuPay Select Credit Card vs YES BANK SELECT Credit Card

Compare PNB RuPay Select Credit Card and YES BANK SELECT Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

PNB RuPay Select Credit Card vs YES BANK SELECT Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 9, 2026
Punjab National BankPNB RuPay Select Credit Card

PNB customers who want a stronger RuPay rewards/lifestyle package and can satisfy the simple quarterly-use fee-waiver condition.

Annual fee
₹750 + applicable taxes
Reviewed
September 9, 2026
Evidence
6 issuer sources
Open card research
YES BANKYES BANK SELECT Credit Card

Moderate online spenders who want a low-fee rewards card with limited domestic lounge access.

Annual fee
₹599 + applicable GST
Reviewed
September 9, 2026
Evidence
4 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

PNB RuPay Select Credit Card vs YES BANK SELECT Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/pnb-rupay-select-credit-card-vs-yes-bank-select-credit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

PNB RuPay Select Credit Card

Annual fee
₹750 + applicable taxes
Fee waiver
Annual fee waived when the card was used at least once in each quarter of the preceding year

YES BANK SELECT Credit Card

Annual fee
₹599 + applicable GST
Fee waiver
Spend ₹10,000 within 30 days to waive first-year membership fee; spend ₹1 lakh in the anniversary year to waive the next renewal fee
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

PNB RuPay Select Credit Card

Reward rules
2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days

Recorded cautions

  • A single use in each quarter is the published annual-fee waiver test; missing a quarter can change the economics.
  • Reward-point cash value should be taken from PNB’s latest notice, not older rewards-page copy.
  • Lifestyle and lounge partner benefits can change independently of the base card.

YES BANK SELECT Credit Card

Reward rules
8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle

Recorded cautions

  • Domestic lounge access is subject to current qualifying-spend rules.
  • Reward acceleration is capped.
  • Travel value is modest compared with higher YES BANK tiers.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

PNB RuPay Select Credit Card

Lounge conditions
PNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits
Forex costs
3.50% foreign-currency markup over the network conversion rate
Eligibility
PNB’s general eligibility table places RuPay Select at a ₹5 lakh minimum annual income, subject to age, documentation and underwriting

YES BANK SELECT Credit Card

Lounge conditions
1 complimentary domestic airport lounge visit per quarter under the reviewed benefit structure; current lounge access is subject to the bank's qualifying-spend rules
Forex costs
2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Eligibility
Subject to YES BANK underwriting, documentation and internal eligibility policy
Other maintained comparisons for PNB RuPay Select Credit CardOther maintained comparisons for YES BANK SELECT Credit Card
Shared research themes
Rewards Credit CardsAirport Lounge Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Credit-card terms side by side for PNB RuPay Select Credit Card and YES BANK SELECT Credit Card
Decision factorPNB RuPay Select Credit CardYES BANK SELECT Credit Card
Joining fee₹500 + applicable taxes₹599 + applicable GST
Annual fee₹750 + applicable taxes₹599 + applicable GST
Fee waiverAnnual fee waived when the card was used at least once in each quarter of the preceding yearSpend ₹10,000 within 30 days to waive first-year membership fee; spend ₹1 lakh in the anniversary year to waive the next renewal fee
Rewards2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle
LoungePNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits1 complimentary domestic airport lounge visit per quarter under the reviewed benefit structure; current lounge access is subject to the bank's qualifying-spend rules
Forex markup3.50% foreign-currency markup over the network conversion rate2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
NetworkRuPay SelectVisa / Mastercard / RuPay variant as offered
Eligibility / approvalPNB’s general eligibility table places RuPay Select at a ₹5 lakh minimum annual income, subject to age, documentation and underwritingSubject to YES BANK underwriting, documentation and internal eligibility policy
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

Punjab National Bank

PNB RuPay Select Credit Card

  • A single use in each quarter is the published annual-fee waiver test; missing a quarter can change the economics.
  • Reward-point cash value should be taken from PNB’s latest notice, not older rewards-page copy.
  • Lifestyle and lounge partner benefits can change independently of the base card.
YES BANK

YES BANK SELECT Credit Card

  • Domestic lounge access is subject to current qualifying-spend rules.
  • Reward acceleration is capped.
  • Travel value is modest compared with higher YES BANK tiers.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

Punjab National Bank

PNB RuPay Select Credit Card

6 issuer sources8/8 core fields confirmedReviewed September 9, 2026
Issuer product pageFee / charge scheduleMITC / controlling terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
YES BANK

YES BANK SELECT Credit Card

4 issuer sources8/8 core fields confirmedReviewed September 9, 2026
Key Fact StatementReward / value termsLounge terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

PNB RuPay Select Credit Card

Reviewed September 9, 2026 · 6 attached first-party sources

  1. Issuer product pagehttps://pnbcard.in/types6.html
  2. Fee / charge schedulehttps://pnbcard.in/Documents/pnb_sofc.pdf
  3. MITC / controlling termshttps://pnbcard.in/PDF/MITC.pdf
  4. Reward / value termshttps://pnbcard.in/rewards.html
  5. Eligibility criteriahttps://pnbcard.in/Documents/HowToApplyNew.pdf
  6. Issuer documenthttps://pnbcard.in/Documents/KeyFactStatement.pdf

YES BANK SELECT Credit Card

Reviewed September 9, 2026 · 4 attached first-party sources

  1. Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  2. Reward / value termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT1D928BE3CBD5424AAF1FAEC534E78032/native/yesbank_credit_card_select_value_chart_nov23.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  3. Lounge termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  4. Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false