IndusInd Bank PAYBACK Credit Card vs YES FIRST Exclusive Credit Card
Joining Fees
₹249
₹9,999
Editor's Rating
3.7
4.4
Key Features
- Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
- 1% fuel surcharge across all petrol pumps in India
- Auto assist
- Complimentary personal air accident insurance cover of up to Rs 25 lakh
- Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card
- One complimentary Golf Lesson every calendar month at select golf courses in India
- Complimentary Priority Pass Membership and Unlimited Complimentary Visits outside India for Primary and all Add-on Cardmembers
- Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
- 25% discount on movie tickets when booked on BookMyShow Website or Mobile App
Editor's Review
Pros
- Avail exciting rewards on dining, shopping, entertainment and more:
- Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
- Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
- Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
- While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent
- Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
- Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year
Cons
- No Airport Lounge Access
- No Golf Privileges
Pros
- 24 Reward Points per Rs. 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
- 12 Reward Points per Rs. 200 spent on all other categories
- Life Insurance Cover
Cons
- Low reward rate
- Limited redemption options
