Yes Bank First Reserv Credit Card vs RBL Bank Freedom SuperCard

• 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

* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail 2,000 Reward Points as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 100% of FD amount as credit limit on the card
* Avail 75% of the Credit Limit as Cash Limit on the card
* Earn 1 Reward Point for every Rs. 100 spent on all you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum Cap is 1,000 Reward Points
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Get 1+1 Bookmyshow offer on movie tickets on any 1 Day of the month (up to Rs. 200)
* 4 complimentary visit in a year at domestic airport lounges
* Maximum 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee

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

Pros
* Rewards on all spends
* Annual Rewards worth Rs. 11,500+
* Complimentary Lounge Access

Cons
* No golf benefits
* No airmiles