What are the annual fees for YES Bank RESERV Credit Card and Tata Neu Infinity HDFC Bank Credit Card?

YES Bank RESERV Credit Card has ₹2,499 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

YES Bank RESERV Credit Card earns about 1.2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

YES Bank RESERV Credit Card: 2.4% online / 1.2% offline. Tata Neu Infinity HDFC Bank Credit Card: same rate online and offline.

What is the forex markup on each card?

YES Bank RESERV Credit Card: 1.75%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

YES Bank RESERV Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Card Comparison

YES RESERV vs Tata Neu Infinity HDFC

YES RESERV vs Tata Neu Infinity HDFCcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

YES Bank RESERV

Yes Bank

Fee₹2,499+GST

Eff. rate1.2%

Cap₹36,000

Fee

₹2,499+GST

Eff. rate

1.2%

Cap

₹36,000

Tata Neu Infinity HDFC Bank

HDFC Bank

Fee₹1,499+GST

Eff. rate1.5%

CapCategory

Fee

₹1,499+GST

Eff. rate

1.5%

Cap

How they compare

YES RESERV and Tata Neu Infinity HDFC suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.2% vs 1.5% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

YES RESERV

Annual fee: ₹2,499 + GST
Everyday rate: 1.2%
Monthly cap: ₹36,000/mo

Notable strengths

Low forex markup (1.8%)

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

48 specs · 13 sections

YES Bank RESERV

Tata Neu Infinity HDFC Bank

Feature

YES Bank RESERV

Tata Neu Infinity HDFC Bank

Annual Fee

₹2,499

₹1,499

Joining Fee

₹2,499

₹1,499

Fee Waiver Spend

₹3,00,000

Forex Markup

1.75%

Reward Type

Reward Points

NeuCoins

Base Rate

1.2%

1.5%

Online Rate

2.4%

—

Offline Rate

1.2%

—

Effective Base Rate

1.2%

1.5%

Point Value

₹0.2

₹1

Redemption Quality

LOW

HIGH

Best Redemption

₹0.2

₹1

Worst Redemption

₹0.1

₹1

Tata Brands

—

Tata Neu

—

Grocery / Supermarkets

2.4% online / 1.2% offline

1.5%

Fuel / Petrol / Diesel / CNG

1.2%

0% (Excluded)

Restaurants / Dine-in

2.4% online / 1.2% offline

1.5%

Flights, Hotels, OTAs, Tour Operators

2.4% online / 1.2% offline

1.5%

Other Retail / Catch-all

2.4% online / 1.2% offline

1.5%

Monthly Cap

₹36,000

Category caps apply

Est. Annual Cap

₹4,32,000

Category caps apply

Total Excluded

0 categories

5 categories

Fuel / Petrol / Diesel / CNG

Earns rewards

Excluded

Rent Payments

Earns rewards

Excluded

Government / Tax Payments

Earns rewards

Excluded

Online Gaming / Betting

Earns rewards

Excluded

Wallet / Prepaid Instrument Loading

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

—

₹6,820

Forex Markup

1.75%

Description

—

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

Estimated Value

—

₹1,499

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Tata Ecosystem Shopping, Lifestyle Rewards

Min Income

₹2,00,000/month

₹1,00,000/month

Income Proof

Required

Not required

Secured FD

Available

Accepting Applications

Yes

Network

Visa, Mastercard

Visa, RuPay

Card Tier

Gold

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for YES Bank RESERV Credit Card and Tata Neu Infinity HDFC Bank Credit Card?: YES Bank RESERV Credit Card has ₹2,499 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: YES Bank RESERV Credit Card earns about 1.2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: YES Bank RESERV Credit Card: 2.4% online / 1.2% offline. Tata Neu Infinity HDFC Bank Credit Card: same rate online and offline.
What is the forex markup on each card?: YES Bank RESERV Credit Card: 1.75%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: YES Bank RESERV Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Yes Bank - YES RESERV · HDFC Bank - Tata Neu Infinity HDFC