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Comparison · हिन्दी

YES FIRST Preferred vs YES RESERV

Both cards compared on real rupee returns for best YES Bank credit card India 2026. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
YES
FIRST PREFERRE
ASHOK KUMAR
VS
YES
RESERV
ASHOK KUMAR
Our verdict
YES RESERV Credit Card wins for most people
YES RESERV wins with ₹1,641 annual benefit versus YES FIRST Preferred's ₹981, despite higher fees. Its superior rewards on online and offline spend align better with this profile's balanced spending mix.
Side-by-side comparison
YES FIRST Preferred Credit Card YES RESERV Credit Card ✓
Annual benefit ₹981 ₹1,641
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend) ₹2,499 + taxes (waived on ₹6,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycle 24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass Domestic + international lounge access (spend-based from April 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%
Best for Premium lifestyle card with domestic and international lounge access, golf and movie benefits at mid-range fee Online-heavy spenders wanting premium travel perks and low forex at a mid-range fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹4L/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
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When each card wins
YES FIRST Preferred Credit Card
YES FIRST Preferred suits those prioritizing lounge access and lifestyle benefits over pure cashback, or those unable to meet YES RESERV's high annual spend threshold.
YES RESERV Credit Card
YES RESERV excels for spenders with significant online purchases or those able to justify its ₹2,499 fee through premium travel perks and consistent high-value spending.
Who should get which card
Get YES FIRST Preferred if you…
· Need domestic and international lounge access for frequent travel
· Value golf and movie benefits at a lower annual fee
· Prefer simpler reward structure without online/offline categorization
Get YES RESERV if you…
· Make frequent online purchases (3% rewards on online spend)
· Spend ₹19,000+ monthly to maximize card benefits
· Prioritize premium travel benefits and forex convenience
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
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IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, YES RESERV Credit Card offers better annual returns for most spend profiles.
YES FIRST Preferred Credit Card has an annual fee of ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend). YES RESERV Credit Card has an annual fee of ₹2,499 + taxes (waived on ₹6,00,000/year spend).
YES FIRST Preferred Credit Card offers 8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycle. YES RESERV Credit Card offers 24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio).
YES FIRST Preferred Credit Card lounge access: 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass. YES RESERV Credit Card lounge access: Domestic + international lounge access (spend-based from April 2025).
YES FIRST Preferred Credit Card charges 3.5% forex markup. YES RESERV Credit Card charges 2% forex markup.