Balanced value8.2
yes / MASTERCARD
YES Reserv
Annual
₹2,499
Return
3%
Lounges
18
Forex
1.75%
Card summary
- YES Reserv leans travel and lifestyle with ₹2,499 annual fee, 3% headline return potential, and 18 lounge access.
Pros
- Strong benefit ceiling if you recover the ₹2,499 annual fee.
- 3% reward rate can outperform flat cashback for loyal users.
- 18 lounge access adds travel utility.
Cons
- Low forex markup matters mainly if you travel internationally.
- Higher ₹24,00,000 income expectation narrows eligibility.
- Travel value depends on actually using lounge and trip perks.
Best for
Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.
Value profile
Balanced fee-to-benefit setup for regular card users.
