YES BANK RESERV Credit Card

While the reward earning rate on YES Reserv is impressive, its poor redemption ratio of 4:1 significantly reduces the overall value. Though the cardholders can further accelerate their earnings by opting for a reward subscription plan, this comes at a steep price. For example, choosing the Rs. 3,500 subscription plan results in a 6% value-back on online spends—but the total annual cost rises to Rs. 5,999 (Rs. 3,500 for the plan + Rs. 2,499 annual card fee). In comparison, consumers could achieve better value at the same price by opting for category-specific cards that offer similar or higher returns, along with additional perks like lounge access, hotel privileges, dining, and movie benefits.

Despite charging an annual fee of Rs. 2,499, the additional benefits on YES Reserv are limited. While the forex mark-up fee is lower than the standard 1.75%, it still falls short when compared to travel-focused cards like Federal Scapia and Ixigo AU, which offer zero forex mark-up fee. Beyond lounge access and the reduced forex fee, the card lacks meaningful travel perks. It also lacks milestone benefits that could help high-spenders maximize value. With no standout advantages in any particular category, the card struggles to find its position among other mid-range all-rounder options.