Yes RESERV Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
प्रकार
Travel Credit Card
ब्याज दर
3.40%p.m. 40.80%p.a.
पात्रता
Between 21-60 years of age.
Salaried or self employed.
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above.
पेशेवरों
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
दोष
High annual fees.
There are no rewards on groceries and convenience store spending.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories.
1 RP = 0.25 Paisa.
Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
1.75% (plus applicable taxes).
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Dining Benefits: Get a minimum 15% discount at select restaurants.
Eligibility Criteria
Between 21-60 years of age.
Salaried or self employed.
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above.
फ़ायदे
Dining benefits.
Insurance coverages.
Travel benefits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
सम्पर्क करने का विवरण
1800 1200
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
High annual fees.
There are no rewards on groceries and convenience store spending.
The Yes Bank Reserv Credit Card is a good option for frequent online shoppers who also travel occasionally. The high rewards rate for online purchases and the inclusion of airport lounge access make it attractive. However, if you spend a significant amount offline on groceries, utilities, etc., the lower rewards rate might be a drawback.
Yes RESERV Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
First Year Membership Fee of INR 1,999+ applicable taxes, waived off on total retail spends of INR 40,000/- done within 30 days of card set up date.
Interest Rate: 2.99% per month (35.88% annually)
Cash Advance Charges: 2.5% (subject to a minimum of Rs. 300)
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Mark-up Fees: 1.75% (plus applicable taxes).
ईंधन अधिशुक्ल
1% fuel surcharge is waived on all fuel purchases at all fuel stations across India for transactions between Rs. 400 and Rs. 5000 (waiver capped at Rs. 1000 per month).
Billing Cycle
30 Days