Skip to main content

RBL Bank Monthly Treats Credit Card VS YES Bank RESERV Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

RBL Bank Monthly Treats Credit Card
RBL Bank Monthly Treats Credit Card
YES Bank RESERV Credit Card
YES Bank RESERV Credit Card

Fees & Charges

Joining Fee
₹50 + GST
₹2,499 + GST
Renewal Fee
₹600 + GST
₹2,499 + GST
Spend Based Waiver
Monthly fee waived on spending ₹3,000 or more in the previous month.
Joining Fee waived on spending ₹40,000 within 30 days. Renewal Fee waived on annual spends of ₹3 Lakh or more.
Foreign Transaction Fees
3.5% on international transactions.
1.75% (plus applicable taxes)
Interest Rate (APR)
3.99% per month (47.88% per annum).
2.99% per month (35.88% annually)

Rewards & Benefits

Welcome Bonus
Not Applicable (as explicitly stated in card details)
Rewards Rate
Up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline.
24 Reward Points for every ₹200 spent on online shopping; 12 Reward Points for every ₹200 spent on offline shopping; 6 Reward Points for every ₹200 spent on select categories.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption request for RBL Monthly Treats Card.
₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
12 complimentary domestic lounge accesses annually (3 per quarter) for primary and add-on cardholders, but requires a ₹1 Lakh spend in the previous quarter.
International Lounge Access
6 complimentary international lounge accesses outside India each year for primary and add-on cardholders.
Travel Benefits
Travel offers are available on the Yes Privileges portal. Reward Points are transferable to partner airlines’ AirMiles.
Movie Benefits
10% off/cashback on BookMyShow transactions.
Not Applicable
Dining Benefits
10% off/cashback on Zomato and Swiggy spends.
Not Applicable
Golf Benefits
4 complimentary rounds of golf with green fee waived per year and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver
1% waiver on fuel (₹500-₹4000 trans), max ₹100/month.
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Coverage worth ₹3 crore for air accident, ₹50 lakh for emergency overseas hospitalization, and credit shield up to ₹15 lakh.
Cash Advance Charges
2.5% of withdrawal amount, min. ₹300.
2.5% or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

RBL Bank Monthly Treats Credit Card

YES Bank RESERV Credit Card

Who is it for?

The RBL Bank Monthly Treats Credit Card is an entry-level option tailored for millennials, offering attractive rewards and cashbacks on everyday online and offline spending. It provides benefits on groceries, dining (Swiggy), movies (BookMyShow), and utility bill payments, alongside a fuel surcharge waiver. With a spend-based monthly fee waiver, this card is ideal for those seeking to maximize savings on common expenditures and begin their credit journey.

Who is it for?

The YES Bank RESERV Credit Card is a premium offering, ideal for high-net-worth individuals seeking extensive travel and lifestyle benefits. It features an industry-low 1.75% foreign currency markup and generous international lounge access. Cardholders also enjoy complimentary golf rounds, comprehensive insurance, and attractive reward rates on online shopping. While domestic lounge access is spend-based, its overall premium perks make it a strong contender in the high-end credit card segment.

Pros

Key benefits and features.

Rewards structure well-suited for millennial spending habits on everyday expenses.

Significant reward points accumulation on online shopping, maximizing digital savings.

Attractive monthly milestone cashbacks on groceries, entertainment, and utility bills.

Excellent entry-level credit card for individuals embarking on their credit journey.

Pros

Key benefits and features.

Enjoys one of the industry's lowest foreign currency markups at just 1.75%.

Offers 6 complimentary international lounge accesses annually for primary and add-on cardholders.

Provides extensive insurance coverage, including air accident and overseas hospitalization.

High reward rate for online shopping, earning 24 points for every ₹200 spent.

Offers complimentary golf rounds and lessons, enhancing its premium lifestyle appeal.

Cons

Key drawbacks and limitations.

Card incurs a monthly fee of ₹50 + GST, requiring consistent spending for waiver.

Lack of specific welcome benefits might be a drawback for new cardholders.

A redemption fee of ₹99 applies per reward point redemption request.

High foreign currency markup of 3.5% makes international spends expensive.

Relatively high interest rate of 3.99% per month on outstanding balances.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on meeting a ₹1 Lakh spend threshold in the prior quarter.

Reward points are not earned on fuel, cash withdrawals, rental/wallet, or EMI payments.

A fee of ₹100 + GST is charged for every reward point redemption request.

No explicit welcome benefits despite being a premium card with a joining fee.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.