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
First Preferred Credit Card
Rs 999Annual fee
Rs 2,50,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of ₹75,000 in the previous calendar quarter.
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 complimentary international lounge visits per calendar year
1.75%Forex markup
Best for
Travel, Dining, Lounge, Movies, Golf
Top rewards
Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent
| Feature | RESERV Credit Card | First Preferred Credit Card |
|---|---|---|
| Issuer | YES Bank | YES Bank |
| Network | Mastercard, Visa, RuPay | Visa, Mastercard |
| Joining fee | Rs 2,499 | Rs 999 |
| Annual fee | Rs 2,499 | Rs 999 |
| Fee waiver spend | Rs 3,00,000 | Rs 2,50,000 |
| Reward type | YES Rewardz Points | YES Rewardz Points |
| Best for | Premium, Travel, Lounge, Movies, Golf | Travel, Dining, Lounge, Movies, Golf |
| Top reward categories | 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 | Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 12 | 8 |
| International lounge | 6 | 4 |
| Forex markup | 1.75% | 1.75% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |