YES Marquee vs YES Reserv 3x vs YES Reserv 5x

[helloworld]

Category	YES MARQUÉE	YES RESERV 3x	YES RESERV 5x
Suitable for	for online spends	for all spends	for Travel, Dining, Apparel, and Healthcare spends
JF (First Year Membership Fee)	11800 (incl. GST)	2360 (incl. GST)	2360 (incl. GST)
Joining benefits / Net Return	15,000 (+3,200)	2360 off on spends of 40k done within 30 days (+0)	2360 off on spends of 40k done within 30 days (+0)
Subscription Fee	-	4130 (incl. 3x Plan + GST)	5900 (incl. 5x Plan + GST)
Online Spends (on every 200)	36 RPs (2.7% - 4.5%) ----------------------- 4.5% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 2.7% if points are used for statement credit, Amazon pay, Flipkart.​	48 RPs (2.4% - 6%) ------------------------ 6% if points are used for flights, hotels. 2.4% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	72 RPs on 5x categories (3.6% - 9%) 24 RPs on other categories (1.2% - 6%) ------------------------ 9% if points are used for flights, hotels. 3.6% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Offline Spends (on every 200)	18 RPs (1.35% - 2.25%) -------------------------- 2.25% (18 per 200) if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 1.35% if points are used for statement credit, Amazon pay, Flipkart	36 RPs (1.8% - 4.5%) -------------------------- 4.5% if points are used for flights, hotels. 1.8% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	60 RPs on 5x categories (3% - 7.5%) 12 RPs on other categories (0.6% - 1.5%) ------------------------ 7.5% if points are used for flights, hotels. 3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Select Categories (on every 200) (utilities, insurance, govt. payments, education fee)	10 RPs (0.75% - 1.25%) --------------------------- 1.25% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 0.75% if points are used for statement credit, Amazon pay, Flipkart	18 RPs (0.9% - 2.25%) --------------------------- 2.25% if points are used for flights, hotels. 0.90% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.	6 RPs on all categories (0.3% - 0.75%) ------------------------- 0.75% if points are used for flights, hotels. 0.3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.
Reward Point Value	Swiggy/Zomato/Flight/Hotel - 0.25p Amzn/Flikart/St.Credit - 0.15p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p
Max. Rewards per statement cycle	1L points // apprx. 5L+ spends	36k points (base) + 75k (subscription points) // apprx. 6L spends	36k points (base) + 75k (subscription points) // apprx. 6L spends
Renewal Fee / Benefits	waived if spend 10L or 5,000 worth of reward points if fee charged (-900)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)
Additional Benefits
Wallet / Rent MCC	0%	0%	0%
Utility (Special category)	-1.18% if Utility >15k and no reward points for >15k spends	-1.18% if Utility >15k and no reward points for >15k spends	-1.18% if Utility >15k and no reward points for >15k spends
Domestic Lounge	6 / Quarter (both primary and add-on)	3 / Quarter (only primary) *35k/Q	3 / Quarter (only primary) *35k/Q
International Lounge	Unlimited (both primary and add-on)	6 / Year (only primary) *35k/Q	6 / Year (only primary) *35k/Q
Guest Visits (dom. or Intl. Lounge)	8 / Year	-	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	-1.18%	-2.07%	-2.07%
On 3L spends	Online Spends = 54000 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 134000 RP = 134000 RP * 0.25 = 33,500 = 33,500 - 11,800 (JF paid) -5,900 (RF paid) = 15,800 Net return = 5.27%	All Category Spends = 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%	On Offline Travel, Dining, Apparel, and Health Care Spends = 90000 RP + (JF waived) + (RF waived) = 90000 RP = 90000 RP * 0.25 = 22,500 = 22,500 - 5,900 (sub. fee) = 16,600 Net return = 5.53%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x/5x subscription plan.

Drsel's advice
1. Ideally Yes Marquee should be used only for online spends and the points earned should be redeemed for Zomato and Swiggy cash vouchers.

2. Ideally Yes Reserve 3x should be used only for online spends and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

3. Yes Reserve 5x has the highest return of all Yes Bank cards, provided you have a lot of expenses in hospital bills, doctors fees, diagnostic tests (blood test, x-ray, CT scan, MRI etc,), medicines, travel (including online travel agents), luxury fashion brands.
Ideally Yes Reserve 5x should be used only for online spends in all the above categories, and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

4. For all spends, if possible, ask the merchant to send a payment link by SMS, email or WhatsApp, so that you can pay online instead of offline to get the extra 2.25% (Marquee) or extra 1.5%.(Reserv 3x and 5x)

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan
Lounge conditions: https://www.yesbank.in/pdf?name=yesbank_creditcard_tnc.pdf

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

 

[bvc19296]

All Yes cards which offer free international lounge access do NOT have any spend requirement.
Use Yes card DIRECTLY in the swipe machine in a foreign country lounge.
no Priority pass, no Dreamfolks card

Only domestic Lounge access has a 35000 spend requirement in the previous quarter.

I guess even Magnus has also the same. Spend based access only for domestic lounge access.

But you need to use PP in case of Magnus.

 

[Harry1]

Has anyone got confirmation on this from customer care? Or tried transaction to see if it is getting 24/200 points?

Need to do a voucher purchase on PARKPLUS, which comes under 4784 tolls. It was in exclusions in previous list, but not in new list.

I called customer care, but that person didn't know anything.

Did a test transaction and can see the 12/200 points on settlement. So, I think this new list is in effect.

 

[sm9811911]

I'm surprised that a smart expert is trying to earn a mere 1.5% return by using a Yes card.

I have not gone below 4% return in the last six months

He tested something and helped us by providing the result here. That deserves appreciation and not negative comments.
We all appreciate you when you provide your inputs but don’t undermine effort of others.

 

[Harry1]

I'm surprised that a smart expert is trying to earn a mere 1.5% return by using a Yes card.

I have not gone below 4% return in the last six months

I have 3x subscription plan. So, I will get 4.8% in total. However, u can only see 12/200 after settlement. For rest, wait till statement generation.