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.

 

[Harry1]

yes 600 worth reward points for each person.

Called yes rewards helpline. They are telling 4000 airline fee, 354 RAF fee from airline, 200 GST from Airline and 400 charges from yes bank. Net 4954 charges per passenger 🤦‍♂️.

 

[helloworld]

Called yes rewards helpline. They are telling 4000 airline fee, 354 RAF fee from airline, 200 GST from Airline and 400 charges from yes bank. Net 4954 charges per passenger 🤦‍♂️.

maybe that airline has too much cancellation fee. Is it? or Yes only saying that?

 

[Harry1]

Seems to be airline only. Indigo site says 3000 cancellation fee. So, that's major difference with air india. 5% gst on cancellation fee is not written anywhere, but I guess everyone will charge that.

Only extra part not mentioned anywhere is this 354 RAF, which some people say as illegal 😅.

maybe that airline has too much cancellation fee. Is it? or Yes only saying that?

 

[Harry1]

Called yes rewards helpline. They are telling 4000 airline fee, 354 RAF fee from airline, 200 GST from Airline and 400 charges from yes bank. Net 4954 charges per passenger 🤦‍♂️.

Update on this.

Cancelled directly from yes bank rewards site manually. Called immediately and confirmed final refund amount. Didn't get charged 354 RAF as was indicating in earlier call, so total cancellation charges were 4600 per pax for Air India.

Got refund back as points on 5th day (including a weekend). And it is available for redemption again. No need to wait for statement generation also. Official timeline is 15 working days though for refund.

One interesting thing was that I did partial cancellation. And there was some bug in their system, due to which instead of cancelling the tickets, they created a new PNR of all those cancelled passengers and old pnr with non cancelled passengers. Both pnr were showing active on air india website.

I called yes bank for confirmation and they told that tickets are cancelled from their side and refund is also processed.

Then called air india helpline and they told that tickets is active. After I told that tickets are cancelled by yes bank and refund is also received, the person told me that he will mark it as cancelled then, otherwise it will get marked as no show and later can create problems. So, I said okay and then he cancelled manually and marked that refund is already received by customer.

Weird stuff.

 

[anonymuos]

Anyone know the BIN of Yes Bank Reserv on RuPay?

 

[sibieeee]

Anyone know the BIN of Yes Bank Reserv on RuPay?

Yeah its 356165.

 

[OptiCard]

Hey Guys,
I am getting upgrade offer to Reserve card. Shall I go for it ?

Note:
I already have Axis Atlas card that gives points on education fee too but to cross that again we need to take Rs.3500 membership for Reserve card.

 

[helloworld]

Hey Guys,
I am getting upgrade offer to Reserve card. Shall I go for it ?

Note:
I already have Axis Atlas card that gives points on education fee too but to cross that again we need to take Rs.3500 membership for Reserve card.

Thread 'YES Marquee vs YES Reserv 3x vs YES Reserv 5x'

Mar 27, 2024

Category	YES MARQUÉE	YES RESERV 3x	YES RESERV 5x
Suitable for	for online spends	for all spends	for Travel, Dining, Apparel, and Healthcare spends
JF (First Year Membership Fee)	11800 (incl. GST)	2949 (incl. GST)	2949 (incl. GST)
Joining benefits / Net Return	10,000 worth of reward points (-1,800)	2949 off on spends of 40k done within 30 days (+0)	2949 off on...

• helloworld
• Replies: 317
• Forum: Yes Bank Credit Card

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• 
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Depends on your use cases.

 

[S9100]

Hey Guys,
I am getting upgrade offer to Reserve card. Shall I go for it ?

Note:
I already have Axis Atlas card that gives points on education fee too but to cross that again we need to take Rs.3500 membership for Reserve card.

Where will you use Reserv? Will you buy 3x/5x subscription?

 

[OptiCard]

Where will you use Reserv? Will you buy 3x/5x subscription?

Medical, education, railway --> mostly

I guess 1st year free then Rs.2499 charges.
I am no where seeing joining benefit & joining charges.
But it's yes bank so having doubts.

 

[helloworld]

Medical, education, railway --> mostly

I guess 1st year free then Rs.2499 charges.
I am no where seeing joining benefit & joining charges.
But it's yes bank so having doubts.

regarding annual fee, website clearly mentioned both along renewal benefits.

Top-up subscriptions no benefits extra, its subscription based.

 

[OptiCard]

regarding annual fee, website clearly mentioned both along renewal benefits.

Top-up subscriptions no benefits extra, its subscription based.

Till yet, I was seeing fees as Rs.1999 but now its Rs.2499

Both the time the card upgrade offer is for Reserve.

I guess no loss in taking the card as the card fees will be approx waived off with points. I guess hardly 1k including gst need to pay.

 

[S9100]

Till yet, I was seeing fees as Rs.1999 but now its Rs.2499

Both the time the card upgrade offer is for Reserve.

I guess no loss in taking the card as the card fees will be approx waived off with points. I guess hardly 1k including gst need to pay.

Yes, if you can spend, net fees on this card is not much.

 

[drsel]

regarding annual fee, website clearly mentioned both along renewal benefits.

Top-up subscriptions no benefits extra, its subscription based.

I am still wondering if I should apply for Yes Reserve 3x with subscription for foreign Spends.

Do you think I will have any use for this considering I have Atlas and Infinia?

 

[S9100]

I am still wondering if I should apply for Yes Reserve 3x with subscription for foreign Spends.

Do you think I will have any use for this considering I have Atlas and Infinia?

Deja vu !

 

[S9100]

Post in thread 'YES Marquee vs YES Reserv 3x vs YES Reserv 5x' https://www.technofino.in/community...-reserv-3x-vs-yes-reserv-5x.24652/post-909143

😉. . .

 

[drsel]

Sorry, I didn't understand

Deja vu !

 

[S9100]

Sorry, I didn't understand

I saw a similar question asked by you to the same person.

 

[drsel]

I saw a similar question asked by you to the same person.

Ok, I have done the analysis and posted it in the main comparison thread.
Yes Reserv 3x is looking interesting for foreign spends, both offline and online

 

[helloworld]

I am still wondering if I should apply for Yes Reserve 3x with subscription for foreign Spends.

Do you think I will have any use for this considering I have Atlas and Infinia?

for foreign, I believe you can get more with m4b rather any of these. Moreover it helps you get more points for that loyality program when both atlas and m4b contribute together.