YES Bank RESERV Credit Card on PhonePe
Yes, but only its standard rate: the YES Bank RESERV Credit Card gives 0.75% back on PhonePe, the same as most other spends.
On PhonePe
0.75%
Other spends
1.5%
Rank for PhonePe
#68 of 149
Annual fee
₹2,499 + Taxes
What to know before you pay on PhonePe
How it works
Online 3% at ₹0.25/point (36,000 points per cycle max). Utility bills are a 'select' category at 0.75%.
Caps & rules
- 24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle).
- Max 36,000 points per statement cycle.
- ₹0.25 per point on flights/hotels.
- Forex markup 2% from 15 Jun 2026.
Reward limits
- All reward points: max 36,000 points per statement cycle
- Points on utility bills: max 750 points per statement cycle
No rewards on
From 15 Jun 2026: rent, wallet, fuel, UPI, government, marketing/advertising, insurance, education, railways, toll, ferry, cash, EMI
Checked 2026-10-03 · Bank terms
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Where else the YES Bank RESERV Credit Card earns more
Questions
Does the YES Bank RESERV Credit Card give rewards on PhonePe?
Yes, but only its standard rate: the YES Bank RESERV Credit Card gives 0.75% back on PhonePe, the same as most other spends.
Is there a limit on YES Bank RESERV Credit Card rewards?
24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle). Max 36,000 points per statement cycle. ₹0.25 per point on flights/hotels. Forex markup 2% from 15 Jun 2026.
Which credit card is best for PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The YES Bank RESERV Credit Card ranks #68 of 149 cards we compared.