YES Bank RESERV vs SpiceJet Axis Bank Voyage Black (2026)
The answer flips at ₹1.75L a month: SpiceJet Axis Bank Voyage Black below it, YES Bank RESERV above.
Head to head
| YES Bank RESERV | Metric | SpiceJet Axis Bank Voyage Black |
|---|---|---|
| #54 — wins this row | Our rank | #56 |
| ₹2,499/yr | Fee — joining · annual (+ GST) | ₹2,000/yr — wins this row |
| ₹3,00,000 spend | Fee waiver | None |
| 2% + GST (1.75% before 15-Jun-2026; DCC on INR-billed international transactions 1%) — wins this row | Forex markup | 3.5% of the transaction value (+ 1.5% dynamic-currency-conversion markup) |
| 2.99%/mo (35.88%/yr) — Reserv sits in the YES Private/Marquee premium tier per V18 MITC (Reserv for NRI 2.49%) | APR | 3.75%/mo (55.55%/yr) |
| 1.5% | Headline earn rate | 1.5% |
| YES Rewardz (YES CC Rewardz) | Currency | SpiceJet SpiceClub |
| ₹0.25/pt | House value | ₹0.50/pt |
| None published — the lounge stack, not a sign-up bonus, is the pitch | Welcome benefit | ₹4,000 SpiceJet flight voucher for 2 transactions within 30 days of issue (1-year validity), plus SpiceClub Gold membership and SpiceJet add-on vouchers worth ₹7,500 |
| 134 of 789 — wins this row | Lounge doors opened | 72 of 789 |
| ~₹18L+/yr reported (community) | Income — salaried | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
SpiceJet Axis Bank Voyage Black wins under ₹1.75L/month; YES Bank RESERV takes over above it.
Where the lead changes hands
The lead changes hands at ₹1.75L a month: SpiceJet Axis Bank Voyage Black is ahead by ₹370 at ₹0.25L, YES Bank RESERV by ₹8,600 at ₹5L.
SpiceJet Axis Bank Voyage Black pays 2 annual spend milestones, the first at ₹2,00,000 a year, and YES Bank RESERV pays none; SpiceJet Axis Bank Voyage Black pays a renewal bonus whatever you spend, and YES Bank RESERV pays nothing to stay.
YES Bank RESERV draws above the line, SpiceJet Axis Bank Voyage Black below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | YES Bank RESERV | SpiceJet Axis Bank Voyage Black | In front |
|---|---|---|---|
| ₹0.25L | ₹5,400 | ₹5,770 | SpiceJet Axis Bank Voyage Black by ₹370 |
| ₹0.5L | ₹10,800 | ₹13,540 | SpiceJet Axis Bank Voyage Black by ₹2,740 |
| ₹0.75L | ₹16,200 | ₹18,310 | SpiceJet Axis Bank Voyage Black by ₹2,110 |
| ₹1L | ₹21,600 | ₹23,080 | SpiceJet Axis Bank Voyage Black by ₹1,480 |
| ₹1.25L | ₹27,000 | ₹27,850 | SpiceJet Axis Bank Voyage Black by ₹850 |
| ₹1.5L | ₹32,400 | ₹32,620 | SpiceJet Axis Bank Voyage Black by ₹220 |
| ₹1.75L | ₹37,800 | ₹37,390 | YES Bank RESERV by ₹410 |
| ₹2L | ₹43,200 | ₹42,160 | YES Bank RESERV by ₹1,040 |
| ₹2.25L | ₹48,600 | ₹46,930 | YES Bank RESERV by ₹1,670 |
| ₹2.5L | ₹54,000 | ₹51,700 | YES Bank RESERV by ₹2,300 |
| ₹2.75L | ₹59,400 | ₹56,470 | YES Bank RESERV by ₹2,930 |
| ₹3L | ₹64,800 | ₹61,240 | YES Bank RESERV by ₹3,560 |
| ₹3.25L | ₹70,200 | ₹66,010 | YES Bank RESERV by ₹4,190 |
| ₹3.5L | ₹75,600 | ₹70,780 | YES Bank RESERV by ₹4,820 |
| ₹3.75L | ₹81,000 | ₹75,550 | YES Bank RESERV by ₹5,450 |
| ₹4L | ₹86,400 | ₹80,320 | YES Bank RESERV by ₹6,080 |
| ₹4.25L | ₹91,800 | ₹85,090 | YES Bank RESERV by ₹6,710 |
| ₹4.5L | ₹97,200 | ₹89,860 | YES Bank RESERV by ₹7,340 |
| ₹4.75L | ₹1,02,600 | ₹94,630 | YES Bank RESERV by ₹7,970 |
| ₹5L | ₹1,08,000 | ₹99,400 | YES Bank RESERV by ₹8,600 |
Transfer reach
Only YES Bank RESERV
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
YES Bank RESERV · 2 more →
- YES Rewardz points are ₹0.25 only on portal flights/hotels (capped 2,00,000 points/month); statement credit pays ₹0.10 (1.2% online)
- The lone Maharaja route (15:1, ≈₹0.07/pt) is a decoy — effectively a closed loop
- Domestic lounge access needs ₹1 lakh of spend in the previous quarter
SpiceJet Axis Bank Voyage Black · 2 more →
- SpiceClub points buy SpiceJet seats, meals and add-ons — zero transfer partners, zero alternatives
- Only 12 of the headline 28 points per ₹200 are the card's; 16 need an active Gold tier, free for year 1 only
- Card-side SpiceJet earn is capped at ₹1 lakh of SpiceJet spend per month
The call
For the ₹1L/month spender, SpiceJet Axis Bank Voyage Black nets ₹23,080 against ₹21,600 — a ₹1,480 gap. At ₹5L/month, YES Bank RESERV nets ₹1,08,000 against ₹99,400 — a ₹8,600 gap. Lounge chasers: YES Bank RESERV opens 134 of 789 tracked doors to SpiceJet Axis Bank Voyage Black's 72.
Our standing verdicts: YES Bank RESERV — Downgrade; SpiceJet Axis Bank Voyage Black — Downgrade. On our board, YES Bank RESERV sits at #54 to SpiceJet Axis Bank Voyage Black's #56 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, YES Bank RESERV or SpiceJet Axis Bank Voyage Black?
YES Bank RESERV. It sits at #54 on our board to SpiceJet Axis Bank Voyage Black's #56. YES Bank RESERV takes 5 of the 7 rounds we can score. SpiceJet Axis Bank Voyage Black wins under ₹1.75L/month; YES Bank RESERV takes over above it.
YES Bank RESERV or SpiceJet Axis Bank Voyage Black — which earns more at ₹3L a month?
At ₹3L a month, YES Bank RESERV nets ₹64,800 against ₹61,240 — a ₹3,560 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, YES Bank RESERV or SpiceJet Axis Bank Voyage Black?
SpiceJet Axis Bank Voyage Black — ₹2,000/yr against ₹2,499/yr. YES Bank RESERV waives its fee at ₹3,00,000 of spend; SpiceJet Axis Bank Voyage Black at no spend level — there is no waiver.
Which gets you into more airport lounges, YES Bank RESERV or SpiceJet Axis Bank Voyage Black?
Lounge chasers: YES Bank RESERV opens 134 of 789 tracked doors to SpiceJet Axis Bank Voyage Black's 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.