Stay away from yes bank they have pathetic customer service. I have a paid Reserv (First Exclusive) card which is due renewal next month. I asked for an upgrade to Marquee these buggers rejected with a lame reason that they can only upgrade visa card holders to Marquee. Then I asked to make Reserv LTF these buggers rejected. Then I asked them to downgrade to ACE these buggers rejected again (ACE is available on mastercard btw). Which bank on earth doesn't let customers downgrade? That's our right, bank can't hold us hostage to one card variant. Upgrade I agree I might not be eligible by their standards it's their purview. But bro I hold a yes reserv with 6 lakh credit limit, why on earth can't I downgrade to ACE? Crazy bank, had a no cost emi running foreclosed it by paying extra and I am fucking gonna close this card taking my tally of active credit cards from 45 to 44 😬 But these buggers don't deserve my business.