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Yesbank Reserv Renewal Option: Mastercard /Visa /Rupay.

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FinanceBaBa

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Hi Guys..
My Yes Reserv is due for renewal and I got a mail to select which Variant needed after renewal MC/Visa/Rupay.. (Currently it's MC) .

Need help to understand below:

1. Which variant of Visa (Signature/ infinite) or Rupay (plat/select ) or Mc will be issued after renewal. (called CC for same but they are clueless as usual).

2. Which variant to choose, considering its not my primary card and mostly used for bank offers only.

FYI. Primary card at present are DCB/SBI CB/AU LIT/ INDUS EAZYDINER/ AMEX GOLD & MRCC.
And monthly upi spends are less than 2k.
Thanks
 

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FinanceBaBa said:
Hi Guys..
My Yes Reserv is due for renewal and I got a mail to select which Variant needed after renewal MC/Visa/Rupay.. (Currently it's MC) .

Need help to understand below:

1. Which variant of Visa (Signature/ infinite) or Rupay (plat/select ) or Mc will be issued after renewal. (called CC for same but they are clueless as usual).

2. Which variant to choose, considering its not my primary card and mostly used for bank offers only.

FYI. Primary card at present are DCB/SBI CB/AU LIT/ INDUS EAZYDINER/ AMEX GOLD & MRCC.
And monthly upi spends are less than 2k.
Thanks
Click to expand...
Yes reserv previously called Exclusive was in Visa Inifinite. But now they give Reserve in Visa Signature. If you were holding Visa card, call them and ask to give you Mareque which is in infinite.
 
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Channakya said:
My suggestion would be continue with the MasterCard , and you can activate virtual Rupay card from the app itself
Click to expand...
Alredy have the virtual rupay activated. But I hardly have 1k on monthly exp on rupay.

Whats the advantage of maintaining on MC.? as I hardly see any benefit and offers on MC as compared to Visa and Rupay.
 
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imdjay said:
Yes reserv previously called Exclusive was in Visa Inifinite. But now they give Reserve in Visa Signature. If you were holding Visa card, call them and ask to give you Mareque which is in infinite.
Click to expand...
Currently I'm on mastercard.. Not sure if they will provide LTF marquee given my current Reserv is LTF.. Also haven't used any visa infinite benefit on the IDFC wealth for a while now.
 
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For UPI rewards, many other better RuPay CC UPI credit cards available but here if you choose RuPay -

RuPay Credit Card offers -

RuPay Festive Carnival Offers - 2023

www.rupay.co.in www.rupay.co.in

Yes bank offer you RuPay JCB Physical Credit card.

RuPay JCB Physical Card offer - 25% Cashback on Japan, Singapore, Indonesia & Philippines:​

A

Thread '(New Offer) RuPay JCB card - 25% Cashback on Japan, Singapore, Indonesia & Philippines'

RuPay JCB card - 25% Cashback on Japan, Singapore, Indonesia & Philippines:

Offer valid till - 29th January, 2025.

25% Cashback on Japan, Singapore, Indonesia & Philippines

Valid on all POS transactions.

1730367170354.webp
Flat 25% Cashback on PoS transactions with RuPay JCB Cards:

Offer Details:
  • Get flat 25% cashback against all eligible Point-of-Sale (PoS) transactions amount, subject to the terms and conditions of this promotion, when you use a Qualified RuPay JCB Global Card to make eligible purchases at the following countries:
    • Japan
    • Singapore
    • Indonesia...
  • Like
 
Upvote 0 Downvote
Abhishek012 said:
For UPI rewards, many other better RuPay CC UPI credit cards available but here if you choose RuPay -

RuPay Credit Card offers -

RuPay Festive Carnival Offers - 2023

www.rupay.co.in www.rupay.co.in

Yes bank offer you RuPay JCB Physical Credit card.

RuPay JCB Physical Card offer - 25% Cashback on Japan, Singapore, Indonesia & Philippines:​

A

Thread '(New Offer) RuPay JCB card - 25% Cashback on Japan, Singapore, Indonesia & Philippines'

RuPay JCB card - 25% Cashback on Japan, Singapore, Indonesia & Philippines:

Offer valid till - 29th January, 2025.

25% Cashback on Japan, Singapore, Indonesia & Philippines

Valid on all POS transactions.

1730367170354.webp
Flat 25% Cashback on PoS transactions with RuPay JCB Cards:

Offer Details:
  • Get flat 25% cashback against all eligible Point-of-Sale (PoS) transactions amount, subject to the terms and conditions of this promotion, when you use a Qualified RuPay JCB Global Card to make eligible purchases at the following countries:
    • Japan
    • Singapore
    • Indonesia...
  • Like
Click to expand...
Thanks.. But upi spends are low.. Hardly 1k a month.
 
Upvote 0 Downvote
FinanceBaBa said:
Thanks.. But upi spends are low.. Hardly 1k a month.
Click to expand...
Ya but you dnt have any primary RuPay credit card yet.

Choose RuPay and support Indian company.

Competition is also good, the market share of foreign card companies should decrease. So they will give good offers in future.

Mastercard is also third-class company. Visa and RuPay are the main ones in India. 😀😀

Yes Bank's reserves credit card have also devalued. What will you get holding into Mastercard ?

TechnoFino

Devaluation Thread 'Yes Bank Credit Card Devaluation - Now Spend 1L to Get Free Lounge Access'

Hey TFCians,

Now it’s Yes Bank, and they’re raising the spending requirements to get complimentary airport lounge access. Several Yes Bank credit cards have been devalued, making it necessary to spend a significant amount each quarter to qualify. And some changes regarding reward point redemption.

Here are the details:

Airport Lounge Access:
Effective from April 1, 2025, you’ll need to meet a spending threshold in the previous quarter (Dec 21 - Mar 20 | Mar 21 - Jun 20 | Jun 21 - Sep 20 | Sep 21 - Dec 20) to qualify for complimentary lounge access in the following quarter (Apr 1 -...
  • Like
  • Hehe
 
Upvote 0 Downvote
Abhishek012 said:
Ya but you dnt have any primary RuPay credit card yet.

Choose RuPay and support Indian company.

Competition is also good, the market share of foreign card companies should decrease. So they will give good offers in future.

Mastercard is also third-class company. Visa and RuPay are the main ones in India. 😀😀

Yes Bank's reserves credit card have also devalued. What will you get holding into Mastercard ?

TechnoFino

Devaluation Thread 'Yes Bank Credit Card Devaluation - Now Spend 1L to Get Free Lounge Access'

Hey TFCians,

Now it’s Yes Bank, and they’re raising the spending requirements to get complimentary airport lounge access. Several Yes Bank credit cards have been devalued, making it necessary to spend a significant amount each quarter to qualify. And some changes regarding reward point redemption.

Here are the details:

Airport Lounge Access:
Effective from April 1, 2025, you’ll need to meet a spending threshold in the previous quarter (Dec 21 - Mar 20 | Mar 21 - Jun 20 | Jun 21 - Sep 20 | Sep 21 - Dec 20) to qualify for complimentary lounge access in the following quarter (Apr 1 -...
  • Like
  • Hehe
Click to expand...
I've rupay.. Icici coral.. Kotak league.. Yes virtual.. Indus rupay.. I guess these are enough for my 1-2k monthly spends..
Closed tata neu as wasn't converted LTF on renewal.

That's what I said MC variant is not so much worth now as hardly any MC offers are coming in recent time.. Most I see are from visa or rupay.

Definitely yes reserv in rupay will be more rewarding as compared to the other ruoy I've at present.
But you got any idea yes reserv will be offered in which rupay variant.?
 
Upvote 0 Downvote
FinanceBaBa said:
I've rupay.. Icici coral.. Kotak league.. Yes virtual.. Indus rupay.. I guess these are enough for my 1-2k monthly spends..
Closed tata neu as wasn't converted LTF on renewal.

Definitely yes reserv in rupay will be more rewarding as compared to the other rupay I've at present.
But you got any idea yes reserv will be offered in which rupay variant.?
Click to expand...
Yes bank is ultra stupid bank, currently no reward points for physical RuPay credit card users on UPI spend.

However, direct RuPay card spend you will get all types of reward/cashback etc as per reserv card offer.

NPCI had released a circular earlier stating that the same rewards should be given for UPI spending. Not sure when the banks will implement it.

Yes bank Reserv available on RuPay Select platform but currently no special benefit yet except i think golf offer, which is already available on other card network too.

You can also looking for Visa variant, if Visa offer anything special. Since you already have other RuPay cards too. But there is no benefit in continuing with Mastercard.
 
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Abhishek012 said:
Yes bank is ultra stupid bank, currently no reward points for physical RuPay credit card users on UPI spend.

However, direct RuPay card spend you will get all types of reward/cashback etc as per reserv card offer.

NPCI had released a circular earlier stating that the same rewards should be given for UPI spending. Not sure when the banks will implement it.

Yes bank Reserv available on RuPay Select platform but currently no special benefit yet except i think golf offer, which is already available on other card network too.

You can also looking for Visa variant, if Visa offer anything special. Since you already have other RuPay cards too. But there is no benefit in continuing with Mastercard.
Click to expand...
Thanks for the reply buddy..

I just found a reserv rupay thread a posted 2 questions and you answered both here..

Yes they are stupid and haven't gave me 5x points on the eligible spends on the 5x plan.. Lost almost 15k plus points.. Post which switched to other cards.

Its strange that they are not providing rewards on UPI spends and also rupay select benefits.
 
Upvote 0 Downvote
FinanceBaBa said:
Currently I'm on mastercard.. Not sure if they will provide LTF marquee given my current Reserv is LTF.. Also haven't used any visa infinite benefit on the IDFC wealth for a while now.
Click to expand...
How to confirm that yes reserve is LTF or not? I recently got call from yes bank credit card exicutive stating that spending 40k in 30 days becomes LTF. But i see its only joining fee waiver criteria in website. need to spend 3 L to get Annual fee waiver as per site. not sure mine is really LTF or not.
 
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Dinesh kama said:
How to confirm that yes reserve is LTF or not? I recently got call from yes bank credit card exicutive stating that spending 40k in 30 days becomes LTF. But i see its only joining fee waiver criteria in website. need to spend 3 L to get Annual fee waiver as per site. not sure mine is really LTF or not.
Click to expand...
I got it back in 2018 as LTF..don't recall fully but might have confirmed on call with cc..
In case you have a doubt about yours drop a mail to cc instead of calling now a days.
 
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FinanceBaBa said:
I got it back in 2018 as LTF..don't recall fully but might have confirmed on call with cc..
In case you have a doubt about yours drop a mail to cc instead of calling now a days.
Click to expand...
I already sent mail 2 days ago as soon as I received card. I should have called CC for asking LTF before activation. unfortunately I already spent 40k. Sad part is I was charged 1% charges in yes statment for wallet top up. It won't be useful for me unless it is LTF. Hopefully I will get it converted to LTF if I ask them to close if it is paid card
 
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Dinesh kama said:
I already sent mail 2 days ago as soon as I received card. I should have called CC for asking LTF before activation. unfortunately I already spent 40k. Sad part is I was charged 1% charges in yes statment for wallet top up. It won't be useful for me unless it is LTF. Hopefully I will get it converted to LTF if I ask them to close if it is paid card
Click to expand...
Just got update that my card is not LTF. I Caught by bite of Credit card executive sales trap. Raised complaint will see if they convert or close my card
 
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