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.

 

[BVCBVC is verified member.]

with subscription:

use cases:

AJIO, Uber etc. non-gyftr places: Infinia - 3.3%, Reserv - 9%

Other online spends (non-voucher related): Infina - 3.3%, Reserv - 9%

Offline shopping, dining, and other spends (non-grocery related): Infinia - 3.3%, Reserv - 4.5%

Foreign spends: Infinia - 1 or 2%, Reserv - 6%* (not tried on reserv yet).

correct.
Reserv with 3X subscription is better than Marquee..
small correction:
36K * 0.25 = 9K for flight and hotel conversion...

3X is better or 5X for general offline spends?

AJIO, Flipkart, Amazon spends too?

 

[drsel]

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.

Yes and separate A group limits of 2 lakh points and 30000 miles

 

[helloworld]

3X is better or 5X for general offline spends?

AJIO, Flipkart, Amazon spends too?

5x only if you have spends on

travel, apparel, healthcare, and dining

also need to pay 5900 as upfront to get upto 9% (depends on redemption).

so, if you can spend on these categories alteast 70,000 then you'll get back your 5900, anything above is your return.

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: 310
• Forum: Yes Bank Credit Card

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[S9100]

3X is better or 5X for general offline spends?

AJIO, Flipkart, Amazon spends too?

Easy question. 3x for general spends. For 5x, you better have a plan to spend it on travel healthcare etc

 

[BVCBVC is verified member.]

5x only if you have spends on

travel, apparel, healthcare, and dining

also need to pay 5900 as upfront to get upto 9% (depends on redemption).

so, if you can spend on these categories alteast 70,000 then you'll get back your 5900, anything above is your return.

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: 310
• Forum: Yes Bank Credit Card

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• 
• 

So apparel spends depends on MCC right? Any idea on MCC??

 

[BVCBVC is verified member.]

Easy question. 3x for general spends. For 5x, you better have a plan to spend it on travel healthcare etc

Not much on Healthcare, But travel there are other cards to maximise. 3X seems better value then.

 

[S9100]

Not much on Healthcare, But travel there are other cards to maximise. 3X seems better value then.

Yeah. If you have Atlas etc, 3x is fine

 

[helloworld]

So apparel spends depends on MCC right? Any idea on MCC??

1st screenshot .