u003cbr/u003eAlthough the benefits offered on such cards are many with huge saving but there are certain disadvantages worth to take a note of as follows:u003cbr/u003eu003cbr/u003e - High joining feeu003cbr/u003e - High annual feeu003cbr/u003e - High interest rateu003cbr/u003e - Spend should be high in order to earn bonus reward points. For e.g. YES First Exclusive card lets user earn 25,000 Bonus Reward Points but after spending Rs. 20 Lakhs or more