YES Bank RESERV vs YES Bank Marquee (2026)
YES Bank Marquee vs YES Bank RESERV: which wins?
₹97,200ranking value a year at ₹3L a month, to YES Bank Marquee
Skip the duel — the board, ranked → · nothing to sign up for
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.
YES Bank Marquee out-earns YES Bank RESERV at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| YES Bank RESERV | Metric | YES Bank Marquee |
|---|---|---|
| #73 | Our rank | #30 — wins this row |
| ₹2,499/yr — wins this row | Fee — joining · annual (+ GST) | ₹9,999 joining, then ₹4,999/yr |
| ₹3,00,000 spend | Fee waiver | ₹10,00,000 spend |
| 2% + GST (1.75% before 15-Jun-2026; DCC on INR-billed international transactions 1%) | Forex markup | 1% + GST (DCC on INR-billed international transactions also 1%) — wins this row |
| 2.99%/mo (35.88%/yr) — Reserv sits in the YES Private/Marquee premium tier per V18 MITC (Reserv for NRI 2.49%) | APR | 2.99%/mo (35.88%/yr) — the YES Private/Prime/Marquee/Reserv premium tier (V18 MITC); other YES cards pay 3.99%/mo |
| 1.5% | Headline earn rate | 2.3% — wins this row |
| YES Rewardz (YES CC Rewardz) | Currency | YES Rewardz (YES CC Rewardz) |
| ₹0.25/pt | House value | ₹0.25/pt |
| None published — the lounge stack, not a sign-up bonus, is the pitch | Welcome benefit | 40,000 YES Rewardz points (₹10,000) on the ₹9,999 joining fee; 20,000 more each renewal |
| 134 of 793 — wins this row | Lounge doors opened | 72 of 793 |
| ~₹18L+/yr reported (community) | Income — salaried | ~₹3L+/month (community) |
| not published | Income — self-employed | ~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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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.
YES Bank Marquee out-earns YES Bank RESERV at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
YES Bank Marquee leads at all 20 steps, but not by the same amount: ₹2,701 at ₹0.25L a month, ₹54,000 at ₹5L — the gap fans out with spend, widest at ₹5L (₹54,000).
YES Bank Marquee pays a renewal bonus whatever you spend, and YES Bank RESERV pays nothing to stay; YES Bank Marquee charges twice — ₹9,999 to join, then ₹4,999 every year after.
YES Bank RESERV draws above the line, YES Bank Marquee below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | YES Bank RESERV | YES Bank Marquee | In front |
|---|---|---|---|
| ₹0.25L | ₹5,400 | ₹8,101 | YES Bank Marquee by ₹2,701 |
| ₹0.5L | ₹10,800 | ₹16,201 | YES Bank Marquee by ₹5,401 |
| ₹0.75L | ₹16,200 | ₹24,301 | YES Bank Marquee by ₹8,101 |
| ₹1L | ₹21,600 | ₹32,400 | YES Bank Marquee by ₹10,800 |
| ₹1.25L | ₹27,000 | ₹40,500 | YES Bank Marquee by ₹13,500 |
| ₹1.5L | ₹32,400 | ₹48,600 | YES Bank Marquee by ₹16,200 |
| ₹1.75L | ₹37,800 | ₹56,700 | YES Bank Marquee by ₹18,900 |
| ₹2L | ₹43,200 | ₹64,800 | YES Bank Marquee by ₹21,600 |
| ₹2.25L | ₹48,600 | ₹72,900 | YES Bank Marquee by ₹24,300 |
| ₹2.5L | ₹54,000 | ₹81,000 | YES Bank Marquee by ₹27,000 |
| ₹2.75L | ₹59,400 | ₹89,100 | YES Bank Marquee by ₹29,700 |
| ₹3L | ₹64,800 | ₹97,200 | YES Bank Marquee by ₹32,400 |
| ₹3.25L | ₹70,200 | ₹1,05,300 | YES Bank Marquee by ₹35,100 |
| ₹3.5L | ₹75,600 | ₹1,13,400 | YES Bank Marquee by ₹37,800 |
| ₹3.75L | ₹81,000 | ₹1,21,500 | YES Bank Marquee by ₹40,500 |
| ₹4L | ₹86,400 | ₹1,29,600 | YES Bank Marquee by ₹43,200 |
| ₹4.25L | ₹91,800 | ₹1,37,700 | YES Bank Marquee by ₹45,900 |
| ₹4.5L | ₹97,200 | ₹1,45,800 | YES Bank Marquee by ₹48,600 |
| ₹4.75L | ₹1,02,600 | ₹1,53,900 | YES Bank Marquee by ₹51,300 |
| ₹5L | ₹1,08,000 | ₹1,62,000 | YES Bank Marquee by ₹54,000 |
Transfer reach — 1 shared live routes
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.
1 shared route — the full partner lists
Both reach
- Air India Maharaja Club 15:1
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
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
YES Bank Marquee · 3 more →
- ₹0.25/point only on YES Rewardz flights/hotels, capped at 70% of invoice — the lone Maharaja route (15:1, ≈₹0.07/pt) is a decoy; statement credit pays ₹0.10
- Offline spends earn half (2.25%); utilities/cable just 1.25%, capped 1,250 RP/cycle
- Fuel, rent, wallet and government earn zero since 1-Apr-2025 — and 15-Jun-2026 zeroed insurance, education, railways, toll and ferry too
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 134 of 793 tracked doors to YES Bank Marquee's 72.
Our standing verdicts: YES Bank RESERV — Downgrade; YES Bank Marquee — Keep. YES Bank Marquee takes 6 of the 8 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, YES Bank RESERV or YES Bank Marquee?
YES Bank Marquee. YES Bank Marquee takes 6 of the 8 rounds we can score. YES Bank Marquee out-earns YES Bank RESERV at every spend level we model, from ₹25k to ₹5L a month.
YES Bank RESERV or YES Bank Marquee — which earns more at ₹3L a month?
At ₹3L a month, YES Bank Marquee nets ₹97,200 against ₹64,800 — a ₹32,400 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 YES Bank Marquee?
YES Bank RESERV — ₹2,499/yr against ₹9,999 joining, then ₹4,999/yr. YES Bank RESERV waives its fee at ₹3,00,000 of spend; YES Bank Marquee at ₹10,00,000 of spend.
Which gets you into more airport lounges, YES Bank RESERV or YES Bank Marquee?
Lounge chasers: YES Bank RESERV opens 134 of 793 tracked doors to YES Bank Marquee's 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: YES Bank RESERV on 2026-07-26, YES Bank Marquee on 2026-08-09. 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.
Verified against YES Bank and YES Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 10 of them, each with the day we read it
- official Product page (2.00% forex markup; 2.99%/mo revolving interest; complimentary international lounge access; "previously known as YES FIRST EXCLUSIVE")
- official MITC PDF — ₹2,499/₹2,499 fees, ₹40k/1-month joining + ₹3L annual waivers; forex 2% w.e.f; 15-Jun-2026 + 1% DCC; APR 2.99% premium tier; 750-RP utility cap
- community CardInsider review
- community TechnoFino — renewal network choice MC/Visa/RuPay
- community CardMaven forum — zero RP on UPI for core RuPay cards
- official Product page (₹9,999 joining / ₹4,999 renewal waived at ₹10L; 36/18/10 RP/₹200; 15-Jun-2026 zeroed insurance/education/railways/toll/ferry)
- community CardInsider review
- community CardInsider — Maharaja transfer ratios
- community CardMaven review — Visa & Mastercard variants
- community CardExpert — YES First Preferred upgrade route with joining-fee waiver; online cap 1,00,000 RP/cycle then throttles to uncapped offline base