YES Bank RESERV vs YES Bank Marquee (2026)
Same bank, same YES Rewardz trap: RESERV's 3% at ₹2,499 vs Marquee's 4.5% at ₹9,999 — the fee quadruples for 1.5 points of online rate and a few more lounges.
Head to head
| Metric | YES Bank RESERV | YES Bank Marquee |
|---|---|---|
| Our rank | #36 | #19 |
| Annual fee | ₹2,499 + GST | ₹4,999 + GST |
| Fee waiver | ₹3,00,000 spend | ₹10,00,000 spend |
| Forex markup | 2% + GST (1.75% before 15-Jun-2026) | 1% + GST (DCC on INR-billed international transactions also 1%) |
| APR | 3.99%/mo (47.88%/yr) — YES standard tier (Marquee's 2.99% is YES Private-only) | 2.99%/mo (35.88%/yr) — Marquee shares the YES Private premium tier; other YES cards pay 3.99%/mo |
| Effective reward rate | 1.5% | 2.3% |
| Currency | YES Rewardz (YES CC Rewardz) | YES Rewardz (YES CC Rewardz) |
| House value | ₹0.25/pt | ₹0.25/pt |
| Welcome benefit | None published — the lounge stack, not a sign-up bonus, is the pitch | 40,000 YES Rewardz points (₹10,000) on the ₹9,999 joining fee; 20,000 more each renewal |
| Lounge doors opened | 129 of 644 | 72 of 644 |
| Income — salaried | ~₹18L+/yr reported (community) | ~₹3L+/month (community) |
| Income — self-employed | not published | ~ITR ₹24L+/yr (community) |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. Tune it to your own spend in the calculator.
YES Bank RESERV wins under ₹0.5L/month; YES Bank Marquee takes over above it.
Transfer reach
Both cards earn YES Rewardz (YES CC Rewardz), so the partner list is identical — 1 live transfer routes each. The fight is decided on earn and fees, not reach.
Both reach
- Air India Maharaja Club 15:1
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, YES Bank Marquee nets ₹32,400 against ₹21,600 — a ₹10,800 gap. At ₹5L/month, YES Bank Marquee nets ₹1,62,000 against ₹1,08,000 — a ₹54,000 gap. Lounge chasers: YES Bank RESERV opens 129 of 644 tracked doors to YES Bank Marquee's 72.
Our standing verdicts: YES Bank RESERV — Downgrade; YES Bank Marquee — Keep. On our board, YES Bank Marquee sits at #19 to YES Bank RESERV's #36 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →