IDFC FIRST Select Credit Card vs YES Bank PaisaSave RuPay
IDFC FIRST Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreExcellent
Annual FeeFree
Max Reward5%
Yes BankScoreVery Good
Annual Fee₹499
Max Reward6%
IDFC FIRST Select Credit Card leads overall with a CardCheck Score of 88/100 (+16 pts over YES Bank PaisaSave RuPay).
4-Pillar Head-to-Head Breakdown
IDFC vs YESReward Power
35%IDFC34/35
YES34/35
Tie (34/35)
Fee Value & ROI
25%IDFC25/25
YES22/25
IDFC Wins
Lounge & Travel
20%IDFC15/20
YES4/20
IDFC Wins
Forex & Access
20%IDFC14/20
YES12/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 88Best
- 72
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 22/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- Yes Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter
- dining and travel cashback, UPI payments
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- FreeBest
- ₹499
- Fee waiver
- —
- ₹1,20,000
- Interest-free days
- 45
- —
04—Interest
- APR (min)
- 8.5%
- —
- APR (max)
- 46.2%
- —
- Late payment fee
- ₹1,300
- —
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 6%Best
- Points / ₹100
- 0.5
- —
- Point value
- ₹0.25
- ₹1
- Monthly cap
- —
- ₹3,000
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹50,000
- ₹25,000
- Min CIBIL
- 720
- —
- Invite only
Rows won
02of 03
01of 03
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 88Best | 72 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 22/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | Yes Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter | dining and travel cashback, UPI payments |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | FreeBest | ₹499 |
| Fee waiver | — | ₹1,20,000 |
| Interest-free days | 45 | — |
04—Interest Differences highlighted | ||
| APR (min) | 8.5% | — |
| APR (max) | 46.2% | — |
| Late payment fee | ₹1,300 | — |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 6%Best |
| Points / ₹100 | 0.5 | — |
| Point value | ₹0.25 | ₹1 |
| Monthly cap | — | ₹3,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹50,000 | ₹25,000 |
| Min CIBIL | 720 | — |
| Invite only | ||
| Rows won | 02of 03 | 01of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Select Credit Card | YES Bank PaisaSave RuPay |
|---|---|---|
| CardCheck Score | 88/100Excellent | 72/100Very Good |
| Annual Fee | Free (₹0) | ₹499 |
| Fee Waiver Spend | No waiver | ₹1.2L/yr |
| Max Reward Potential | 5% | 6% |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 1.5% | 3.5% |
Choose IDFC FIRST Select Credit Card if:
Your spending centers around lifetime-free mid-tier — 6x on select categories + 2 lounge/quarter and you want direct partner rewards with IDFC FIRST Bank.
Choose YES Bank PaisaSave RuPay if:
Your spending aligns with dining and travel cashback, upi payments and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: IDFC FIRST Select Credit Card vs YES Bank PaisaSave RuPay
- Which is better: IDFC FIRST Select Credit Card or YES Bank PaisaSave RuPay?
- IDFC FIRST Select Credit Card holds a higher overall rating with a CardCheck Score of 88/100 (Excellent) compared to 72/100 (Very Good) for YES Bank PaisaSave RuPay (a lead of +16 points). IDFC FIRST Select Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Select Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, YES Bank PaisaSave RuPay charges an annual fee of ₹499 with an annual spend threshold of ₹1.2 Lakh.
- How do the reward rates and cashback compare between IDFC FIRST Select Credit Card and YES Bank PaisaSave RuPay?
- IDFC FIRST Select Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, YES Bank PaisaSave RuPay offers a base rate of 1% and up to 6% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC FIRST Select Credit Card or YES Bank PaisaSave RuPay?
- IDFC FIRST Select Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, YES Bank PaisaSave RuPay provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IDFC FIRST Select Credit Card levies a foreign currency markup fee of 1.5%, while YES Bank PaisaSave RuPay charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).