Detailed head-to-head comparison between ixigo AU Credit Card and YES BANK Niyo Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
Best for: Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters
Rewards: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25)
Lounge: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Last verified 2 Oct 2026
Best for: International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee.
Rewards: 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App
Lounge: 4 Domestic visits/year
Forex markup: 0% (Zero Forex)
Last verified 9 Sept 2026
Detailed attribute comparison and head-to-head winner declaration
| Key Specification | ||
|---|---|---|
| Bank / Issuer | AU Small Finance Bank | YES BANK |
| Joining Fee | Free | Free |
| Annual / Renewal Fee | Free | Free |
| Fee Waiver Condition | No waiver disclosed | No waiver disclosed |
| Rewards & Cashback | 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25) | 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App |
Airport Lounge Access | 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic) 32 domestic airports • 1 international terminals | 4 Domestic visits/year 1 domestic airports |
| Welcome Bonus |
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| Best Suited For | Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters | International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee. |
| Official Apply Link | Apply Online (AU Small Finance Bank) | Apply Online (YES BANK) |
Detailed complimentary domestic & international lounge entitlement comparison
Everything you need to know about choosing between ixigo AU Credit Card and YES BANK Niyo Credit Card.
ixigo AU Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, YES BANK Niyo Credit Card has a joining fee of Free and an annual fee of Free. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.
ixigo AU Credit Card offers: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25). On the other hand, YES BANK Niyo Credit Card features: 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App. Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).
ixigo AU Credit Card: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic). YES BANK Niyo Credit Card: 4 Domestic visits/year. Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.
Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.
Explore editorially verified credit card comparisons in India for 2026.