Yes Bank First Reserv Credit Card vs Tata Neu Plus SBI Credit Card
Joining Fees
₹1,999
₹499
Editor's Rating
3.9
3.7
Key Features
- Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
- Get up to 1.75% markup on foreign currency
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Credit Shield cover of 15 Lakh
- Lost Card liability 15 Lakh to 30 Lakh
- 1% fuel surcharge waiver between Rs 400 and Rs 5000
- Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
- 3 complimentary domestic airport lounge visits per quarter
- Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
- Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
- Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
- Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
- Avail 6 YES Rewardz Points on every Rs. 200 on select categories
- Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
- Instant EMI: Pay in parts for transactions as low as Rs. 1500
- Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
- Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
- Contactless Transactions
- Welcome benefits include getting 499 NeuCoins (worth Rs. 499) within 15 days of Joining Fee realisation
- Redeem these coins on Tata New App/Website and partner Tata Brands
- 2% value-back as NeuCoins on spends on Tata Neu App/Website and partner Tata Brands
- Extra 5% value-back as NeuCoins on select category spends on Tata Neu App/Website
- 1% value-back as NeuCoins on other spends
- 1% value-back as NeuCoins on UPI transactions (valid only on Rupay variant)
- 4 complimentary domestic airport lounge access every year ( maximum 1 per quarter) on quarterly spends of Rs. 50,000
- Annual fee waiver on spending Rs. 1 Lakh in the previous year
- 1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000, up to Rs. 250 per month
- Tap & Pay with Ease: Tap the card on a secure reader for instant transactions
- Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
- Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
- Transfer outstanding balances of other banks’ credit cards to the Tata Neu Plus SBI Card at a lower interest rate and repay in easy EMIs
Editor's Review
Pros
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Get up to 1.75% markup on foreign currency
Cons
- No railway lounge access
- No cashback offers
- Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit
Pros
- Welcome benefits worth the joining fee
- Up to 7% value-back as NeuCoins
- Enjoy benefits across multiple brands covering different spending categories
- 1% saving on UPI transactions with the Rupay variant
Cons
- No Golf Benefits
- No International Airport Lounge Access
- For some users brand benefits could be restricted
- No milestone or renewal benefits
