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YES Bank · YES Bank
Reserv vs First Preferred
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
36composite score
82% rule confidence
82% rule confidence
Winner
64composite score
95% rule confidence
95% rule confidence
Annual fee
₹1,999
₹999
Network
Visa
Mastercard
Base reward rate
0%
4%
Min. income (monthly)
—
₹50,000
Min. credit score
—
720+
Best for
Everyday spends
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
First Preferred edges out for most wallets.
- Better base rate, 4% vs 0% on everything outside a bonus bucket.
- Lighter annual fee, ₹999 vs ₹1,999.
Composite score
Reserv36
First Preferred64
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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