Yes Bank vs AU Bank Credit Cards: ₹299 Lounge Cards Against Yes Bank's Unlimited Reserv
8 November 2026 · BestCard Editorial Team
AU Small Finance Bank offers 2 domestic lounge visits a quarter on a card with a ₹299 fee, the SPONT, and on a ₹199 card, the NOMO. Yes Bank's route in is the ₹599 SELECT with 1 visit a quarter. At the other end, Yes Reserv gives unlimited domestic and international access for ₹2,499. The two banks win at opposite ends of the fee range.
The cheapest lounge cards
AU SPONT costs ₹299 with a ₹10,000 income floor and 2 domestic visits a quarter on ₹50,000 of previous-quarter spend. AU NOMO has a ₹199 joining fee and no annual fee, with 0.99% forex and the same 2 visits on ₹20,000 of previous-quarter spend. Yes Bank's SELECT costs ₹599, waived at ₹1,00,000, with 1 visit a quarter, and the Essence costs ₹799 with 1 visit a quarter on ₹25,000 of previous-quarter spend. AU wins clearly here, both on price and on visit count.
Free and everyday cards
The AU Bank LIT has no fee and pays 5% on dining and online shopping, capped at ₹500 a month. Yes Bank's Klick RuPay and Uni RuPay are free, and the Uni RuPay charges 0% forex with a 1% base rate. Yes AI Inside has no fee and 0% forex with 3% on other spend. AU's ixigo card has no fee and 0% forex. Roughly even.
Mid-tier
Yes ELITE+ costs ₹999, waived at ₹2,00,000, with 2 domestic visits a quarter and 3 international a year. AU Laksya costs ₹1,000 with 2 domestic visits a quarter. AU Vetta costs ₹2,999, waived at ₹1,50,000, with 1 domestic and 1 international visit a quarter. Yes Reserv costs ₹2,499, waived at ₹3,00,000, with unlimited lounges and a 4% base. Yes Bank wins here, since ELITE+ covers international visits and Reserv covers everything, though Reserv needs a ₹2,00,000 monthly income.
Premium
AU Zenith Plus costs ₹4,999, waived at ₹8,00,000, with 16 domestic and 16 international visits a year, 0.99% forex and an ₹80,000 income floor. The Yes Bank Marquee costs ₹9,999 to join and ₹4,999 a year, waived at ₹10,00,000, with 24 domestic and unlimited international visits at 1% forex and a ₹2,00,000 income floor. Zenith Plus is cheaper to enter and has a far lower income bar. Marquee has more lounge volume. Even, split by income.
Private-tier cards
AU stops at Zenith Plus. Yes Bank carries on with Yes Private (₹50,000 joining, ₹10,000 annual, 0.5% forex) and Private Prime (₹20,000 joining, ₹10,000 annual, 0.5% forex), both with unlimited lounges. Yes Bank wins for anyone who wants to stay within one bank at the top end.
Co-brands
AU has the more diverse partner list: Paytm AU (up to 12 domestic visits tied to Paytm Travel bookings), ixigo, ABC AU Pro (₹999, 1.5% base) and CheQ AU. Yes Bank's partners include Paisabazaar PaisaSave, Zagg, BankBazaar's FinBooster and Anq Phi. AU has a slight edge on variety.
Picking between them
A new earner at ₹10,000 to ₹25,000 a month who wants some lounge access: AU SPONT or NOMO. A traveller with a ₹80,000 income: AU Zenith Plus. A flyer at ₹2,00,000 who wants no cap on visits: Yes Reserv. A free card for everyday spend: the AU LIT.
Guides and a second opinion
See the Yes Bank credit cards guide and the AU Bank credit cards guide, or IDFC FIRST vs AU Bank.
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