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YES Bank · YES Bank
First Preferred vs Reserv
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
64composite score
95% rule confidence
95% rule confidence
Winner
74composite score
82% rule confidence
82% rule confidence
Annual fee
₹999
₹1,999
Network
Mastercard
Visa
Base reward rate
4%
6%
Min. income (monthly)
₹50,000
—
Min. credit score
720+
—
Best for
Travel
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Reserv edges out for most wallets.
- Better base rate, 6% vs 4% on everything outside a bonus bucket.
Composite score
First Preferred64
Reserv74
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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