Citi Rewards Credit Card vs Yes Bank First Reserv Credit Card

Joining Fees

₹1,000

₹1,999

Editor's Rating

4.1

3.9

Key Features

  • Earn minimum 1 reward point for every 125 on all purchases
  • Gain 10X reward points at online, physical department, and apparel stores
  • Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
  • You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
  • Instant Loans
  • Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
  • Get up to 1.75% markup on foreign currency
  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Credit Shield cover of 15 Lakh
  • Lost Card liability 15 Lakh to 30 Lakh
  • 1% fuel surcharge waiver between Rs 400 and Rs 5000
  • Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
  • 3 complimentary domestic airport lounge visits per quarter
  • Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
  • Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
  • Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
  • Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
  • Avail 6 YES Rewardz Points on every Rs. 200 on select categories
  • Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
  • Instant EMI: Pay in parts for transactions as low as Rs. 1500
  • Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
  • Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
  • Contactless Transactions

Editor's Review

Pros

  • Get rewarded every time you shop
  • Redeem Miles instantly via SMS against purchases at leading brands
  • Turn big purchases into small payments

Cons

  • No Golf/coaching sessions
  • No complimentary Airport Lounge access

Pros

  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Get up to 1.75% markup on foreign currency

Cons

  • No railway lounge access
  • No cashback offers
  • Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit


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More comparisions with Yes Bank First Reserv Credit Card

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