Select Credit Card
Rs 3,000Annual fee
Rs 8,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Priority Pass membership renewal on annual spends of ₹3 lakh
3.5%Forex markup
Best for
Bigbasket, Swiggy, Movies, Lounge, Golf
Top rewards
Retail Shopping Spends (up To ₹20,000 Spend/Month): 20 EDGE REWARD Points / ₹200 spent on retail shopping; Other Eligible Spends: 10 EDGE REWARD Points / ₹200 spent
RESERV Credit Card
Rs 2,499Annual fee
Rs 3,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 3 complimentary domestic lounge visits per quarter for primary cardmember
- Domestic lounge access is subject to a spend threshold of ₹1,00,000 in the previous calendar quarter.
- 6 complimentary international lounge visits in 12 months for primary and add-on cardmembers
1.75%Forex markup
Best for
Premium, Travel, Lounge, Movies, Golf
Top rewards
Online Spends: 24 YES Rewardz Points / ₹200 spent; Other Retail Spends: 12 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 6 YES Rewardz Points / ₹200 spent
| Feature | Select Credit Card | RESERV Credit Card |
|---|---|---|
| Issuer | Axis Bank | YES Bank |
| Network | Visa | Mastercard, Visa, RuPay |
| Joining fee | Rs 3,000 | Rs 2,499 |
| Annual fee | Rs 3,000 | Rs 2,499 |
| Fee waiver spend | Rs 8,00,000 | Rs 3,00,000 |
| Reward type | EDGE Reward Points | YES Rewardz Points |
| Best for | Bigbasket, Swiggy, Movies, Lounge, Golf | Premium, Travel, Lounge, Movies, Golf |
| Top reward categories | Retail Shopping Spends (up To ₹20,000 Spend/Month): 20 EDGE REWARD Points / ₹200 spent on retail shopping; Other Eligible Spends: 10 EDGE REWARD Points / ₹200 spent | Online Spends: 24 YES Rewardz Points / ₹200 spent; Other Retail Spends: 12 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 6 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 12 |
| International lounge | 12 | 6 |
| Forex markup | 3.5% | 1.75% |
| Milestone benefits | 5,000 EDGE REWARD Points on spending ₹3 lakh in a card anniversary year, Priority Pass membership renewal on annual spends of ₹3 lakh, Additional 6 complimentary golf rounds after spends of ₹3 lakh in the same anniversary year | Not Listed |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.2 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, Insurance premium payments, Utilities and telecom spends, Government services spends, Educational institution payments | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |