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YES Reserv vs SBI Air India Signature

Compare YES Reserv vs SBI Air India Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

SBI Air India Signature leads on reward rate, while YES Reserv has the lowest annual fee.

Card 1

YES Reserv

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2

Card 2

SBI Air India Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.0
YES Reserv
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.

Full card details
SBI Air India Signature Credit Card
Balanced value7.0

sbi / VISA

SBI Air India Signature

Annual

₹2,999

Return

4%

Lounges

10

Forex

3.5%

Card summary
  • SBI Air India Signature leans travel and lifestyle with ₹2,999 annual fee, 4% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • 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.

Full card details
Metric
YES Reserv
SBI Air India Signature
Fees
Annual fee
₹2,499
₹2,999
Joining fee
₹2,499
₹2,999
Rewards
Cashback rate
0.75%
1%
Reward rate
3%
4%
Travel
Forex markup
1.75%
3.5%
Domestic lounges
12
6
International lounges
6
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
No
No
Eligibility
Minimum income
₹24,00,000
₹9,00,000

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