Yes Reserv

Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 4% base rate
• Travel: Complimentary travel insurance and airport meet-and-greet privileges for the primary cardholder
• Domestic lounge access: Unlimited complimentary domestic airport lounge visits for the primary cardholder
• International lounge access: Unlimited complimentary international lounge visits via Priority Pass
• Golf: Complimentary golf rounds (up to 4/year, max 1/month) plus 1 complimentary golf lesson per month at select courses in India
• Insurance benefits: Air accident cover up to ₹3 crore; purchase protection cover up to ₹50,000 for 6 months on online purchases

• ✈️ Travel

  8% reward rate · Unlimited domestic + international lounge access

• 🛡️ Insurance

  Comprehensive travel insurance up to $1 million

• 🌍 Forex / international spend

  2% forex markup on international transactions

• Minimum credit score: 780
• Minimum monthly income: ₹2,00,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Foreign currency markup: 2%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹5,000 at all fuel stations in India, capped per statement cycle

• Unlimited domestic + international lounge access
• Comprehensive travel insurance up to $1 million
• Complimentary golf rounds and lessons at select courses in India