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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.
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Last updated: 18 July 2026

RBL Bank Monthly Treats Credit Card and YES Bank RESERV Credit Card target different priorities — shopping versus travel. RBL Bank Monthly Treats Credit Card costs ₹50 + GST and earns up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline. YES Bank RESERV Credit Card costs ₹2,499 + GST and earns 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. YES Bank RESERV Credit Card also brings 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. If shopping spending matters more, go with RBL Bank Monthly Treats Credit Card; if travel is the priority, YES Bank RESERV Credit Card fits better.

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
Joining Fee₹2,499 + GST
Renewal Fee₹50 + GST
Renewal Fee₹2,499 + GST
Spend Based WaiverMonthly membership fee of INR 50 is waived if you spend INR 3,000 or more in the previous month.
Spend Based WaiverJoining fee waived on ₹40,000 spend in 30 days; renewal fee waived on ₹3 Lakh annual spend.
Foreign Transaction Fees3.5% on the conversion amount.
Foreign Transaction Fees2%
Interest Rate (APR)3.99% per month (47.88% per annum).
Interest Rate (APR)2.99% Per Month (35.88% Annually)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn 1 Reward Point for every INR 100 spent offline, 2 Reward Points for every INR 100 spent online.
Rewards RateEarn 24 Reward Points for every ₹200 online, 12 points offline, and 6 points on select categories.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeINR 99 + GST per redemption request.
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access12 complimentary domestic lounge visits annually (3 per quarter), spend-based (₹1 Lakh in previous quarter).
International Lounge Access
International Lounge Access6 complimentary international lounge visits annually for primary and add-on cardholders.
Travel Benefits10% cashback on Uber spends, capped at INR 300 per month. Redemption for air travels & hotel bookings.
Travel BenefitsIncludes 12 domestic and 6 international lounge visits annually, plus reward point transfers to partner airlines.
Movie Benefits10% instant discount up to INR 300 per month on BookMyShow, applicable once a month.
Movie Benefits
Discounted movie tickets and redemption options via YesRewardz portal.
Dining Benefits10% cashback on Zomato spends, capped at INR 300 per month.
Dining Benefits
Golf Benefits
Golf Benefits4 complimentary golf rounds with green fee waived and 1 complimentary golf lesson per year.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between INR 500 to INR 4,000, max INR 100 per month.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500-₹4,000, capped at ₹500/month.

Security & Other

Insurance Benefits
Insurance Benefits₹15 Lakh Credit Shield Cover and ₹15-30 Lakh Lost Card Liability Protection.
Cash Advance Charges2.5% on withdrawal amount, subject to a minimum charge of INR 300.
Cash Advance Charges2.5% or ₹650 (whichever is higher).
Apply Now(opens in new tab)
Apply Now(opens in new tab)
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 credit card tailored for millennials and digital-first spenders. It offers accelerated reward points on online purchases and significant cashback on popular brands like Zomato, Myntra, and Uber. Cardholders can also enjoy monthly milestone benefits on groceries, Swiggy, and BookMyShow, alongside annual vouchers for higher spending. While it provides a monthly fee waiver, it's important to note that RBL Bank is no longer accepting new applications for this card.

Who is it for?

The YES Bank RESERV Credit Card is a premium offering designed for high-net-worth individuals, especially those who travel frequently internationally. It boasts one of the industry's lowest foreign currency markups at 2% and provides extensive travel benefits, including complimentary international and domestic lounge access. Cardholders also enjoy valuable golf privileges, robust insurance coverage, and a comprehensive reward program, making it a strong contender in the premium credit card segment despite its spend-based domestic lounge access.

Pros

Key benefits and features.

Earn accelerated reward points on all your online purchases.

Enjoy diverse cashback opportunities on popular brands like Zomato, Myntra, and Uber.

Benefit from a monthly fee waiver by meeting an achievable spending threshold.

Unlock valuable milestone vouchers from top brands on reaching annual spend targets.

Get a convenient 1% fuel surcharge waiver on eligible transactions.

Pros

Key benefits and features.

One of the lowest foreign currency markups at 2% makes international spending highly economical.

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

Provides valuable golf privileges including 4 complimentary rounds and a lesson each year.

Comprehensive insurance benefits like Credit Shield and Lost Card Liability Protection are included.

Attractive reward rate, earning up to 24 points per ₹200 spent, especially for online transactions.

Cons

Key drawbacks and limitations.

Incurs a monthly membership fee, though it can be waived with spending.

A fee is charged for each reward point redemption request.

High interest rates apply if you carry over outstanding balances.

Certain merchant categories are explicitly excluded from earning card benefits.

Cons

Key drawbacks and limitations.

Domestic lounge access is spend-based, requiring ₹1 Lakh spend in the previous quarter.

A rewards redemption fee of ₹100 + GST is charged for redeeming accumulated points.

High interest rates of 2.99% per month can be a significant drawback if balances are carried.

Reward points are not awarded for fuel, cash withdrawals, rental, or wallet payments.

The annual fee of ₹2,499 + GST is relatively high if waiver conditions are not met.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for RBL Bank Monthly Treats Credit Card(opens in new tab)Apply for YES Bank RESERV Credit Card(opens in new tab)