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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
74composite 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
6%
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
Reserv edges out for most wallets.
- Better base rate, 6% vs 4% on everything outside a bonus bucket.
Composite score
Reserv74
First Preferred64
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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