Yes Bank Reserv + 3X Subscription Plan

[legend.sudsier]

Hi everyone,

I am looking for a new card to complement my Infinia. The main goal is to increase the rewards rate for a few lakhs of donations towards NGOs (both Indian and International). BOGO on movies, and rewards on rental and UPI transactions will be great to have but not necessary.

I recently came across the YES Reserv card, along with the 3X subscription offer for all spends. The following is how I see the reward rates:

• 9% Points on Online Shopping (except on Select categories)**
• 4.5% Points on Offline Shopping (except on Select categories)
• 2.25% Points on Select categories

Assuming 25 paise per RP redemption rate, for flights and hotels.

The 9% rewards rate seems just too good to be true. Can anyone confirm? If it is indeed true, then why is this not the most talked about card for Forex transactions?

P.S: I don't mind paying the annual fee given the rewards.

 

[SSV]

You wrote 4 reward points gives 1 airmile

Let me check , I think there are different rates for vistara

 

[drsel]

You wrote 4 reward points gives 1 airmile

These airmiles are worth only 60 Paisa so please do not convert yes points to air miles at 4:1.
Much worse at 10:1

 

[SSV]

Let me check , I think there are different rates for vistara

This is what marquee product page says

 

[RTR01]

These airmiles are worth only 60 Paisa so please do not convert yes points to air miles at 4:1.
Much worse at 10:1

Then I guess flight booking redemption is the best option.

 

[SSV]

Then I guess flight booking redemption is the best option.

Flight booking is really good, because yes rewards flight rates are almost comparable to makemy trip rates

 

[RTR01]

This is what marquee product page says

View attachment 42989

I assumed they didn't update the page since you had marquee and you checked all redemption options value and put in the post.

 

[SSV]

I assumed they didn't update the page since you had marquee and you checked all redemption options value and put in the post.

Yes correct. In that post I took everything from marquee redemption website.. I didn’t pay attention to air miles much, because flight booking itself is having comparable rates to the outside market rates

 

[SSV]

I assumed they didn't update the page since you had marquee and you checked all redemption options value and put in the post.

You need to ask CC , whether you can carry forward reserv RPs to Marquee RPs as redemption rates are different for some options..
I doubt whether you can carry forward.
My bet is you can’t

 

[khaitan.rajesh29]

Can we hold both Reserve and Marquee cards together? I am having Reserve card with subscription of 5X rewards and I have applied for Marquee as well now.

 

[SSV]

Can we hold both Reserve and Marquee cards together? I am having Reserve card with subscription of 5X rewards and I have applied for Marquee as well now.

First thing first..
Did it allow you to apply for Marquee?? Did you apply online with the same phone number??
Normally they don’t allow two cards

 

[Amrish]

Show less income if you want reserv.

It's not asking for any income details. Taking through surrogates route which I guess is cibil report

 

[ak93]

@S S V In your marquee thread, you mentioned 1 point = 0.25 for swiggy voucher. Is it the same for reserv as well?

 

[RTR01]

If anyone has 5X rewards t&c please forward it.

 

[SSV]

@S S V In your marquee thread, you mentioned 1 point = 0.25 for swiggy voucher. Is it the same for reserv as well?

No . Others confirmed that it was not 0.25for reserv

 

[helloworld]

@S S V In your marquee thread, you mentioned 1 point = 0.25 for swiggy voucher. Is it the same for reserv as well?

 

[drsel]

There is no doubt about it
You should redeem Yes points only for direct flight bookings

 

[ak93]

I guess i will upgrade to marquee after some time then. Wonder what happens yo reserv points in that case.

 

[BVCBVC is verified member.]

If anyone has 5X rewards t&c please forward it.

https://www.yesbank.in/credit-card-services/rewards-subscription-plan

You have terms and conditions on this page.

 

[RTR01]

https://www.yesbank.in/credit-card-services/rewards-subscription-plan

You have terms and conditions on this page.

Not this, detailed t&c. Where it is specified which mcc are included in those categories. For example is jewelry mcc included in Fashion?

 

[drsel]

Not this detailed t&c. Where it is specified which mcc are included in those categories. For example is jewelry mcc included in Fashion?

No, only big fashion brands are included.
Not gold coins or jewellery.
You should try Rs.1 and phone customer care to confirm if it's in the fashion category