YES Bank RESERV Credit Card
Fees
₹2,499 + Taxes
Joining & annual
Reward Rate
24 YES Rewardz Points per ₹200 online (about 3% at ₹0.25 per point); 12 per ₹200 offline (about 1.5%); 6 per ₹200 on select categories; max 36,000 points per statement cycle
Welcome Bonus
8,000 bonus Reward Points each year the renewal fee is charged
Lounge
Domestic (spend-based) + International via Priority Pass
Our Expert Take
YES Bank RESERV earns 24 Reward Points per ₹200 online, about 3% when redeemed for flights and hotels, with a 2% forex markup, lounge access and a ₹2,499 fee waived on ₹3 Lakh annual spends.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
All reward points
Max 36,000 points per statement cycle
-
Points on utility bills
Max 750 points per statement cycle
No rewards on: Rent, wallet loads, fuel, UPI, government, marketing/advertising, insurance, education, railways, tolls, ferry, cash, EMI
Where this card earns most
Paying directly in the app or site · 1.5% on other spends
Pros & Cons
Key Advantages
- Up to 3% back on online shopping when points are redeemed for flights and hotels
- 2% forex markup, lower than the 3.5% most cards charge
- Lower interest rate than most cards at 2.99% a month
- Domestic and international airport lounge access
- Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
Limitations
- Points are worth much less when redeemed for vouchers than for flights and hotels
- Since 15 June 2026, no points on rent, wallet, fuel, UPI, insurance, education, railways, tolls or government payments
- Forex markup rose from 1.75% to 2% on 15 June 2026
- Domestic lounge access depends on meeting a spend threshold
- Needs ₹2 Lakh monthly salary or ₹18 Lakh ITR, and you can't hold another YES BANK credit card
Key Perks & Spending Milestones
24 YES Rewardz Points per ₹200 on online spends and 12 per ₹200 offline
6 YES Rewardz Points per ₹200 on select categories such as utilities and DTH
Up to 36,000 Reward Points per statement cycle
8,000 bonus Reward Points every year the renewal fee is charged
International lounge access via Priority Pass and domestic lounge access on meeting a spend threshold
Complimentary golf benefits at partner courses
25% discount on BookMyShow movie tickets
Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
Fuel surcharge waiver up to ₹500 per statement cycle
Rewards Subscription Plan to choose extra reward categories
Fees & Charges
Joining fee
₹2,499 + Taxes
Annual fee
₹2,499 + Taxes
Joining fee waived on ₹40,000 retail spends within the first month; renewal fee waived on ₹3 Lakh annual spends
Interest rate
2.99% per month (35.88% per annum)
Eligibility Criteria
salaried minimum income
Net salary of ₹2 Lakh per month
self employed ITR
Income Tax Return of ₹18 Lakh and above
age
21 to 60 years
employment profiles
Salaried or self-employed; not available if you already hold another YES BANK credit card
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
What was the YES Bank RESERV card called before?
How much are RESERV Reward Points worth?
What is the forex markup on RESERV?
How can I get the RESERV annual fee waived?
Is there an NRI version of RESERV?
Compare YES Bank RESERV Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| YES Bank RESERV Credit Card This Card | ₹2,499 + Taxes | 24 YES Rewardz Points per ₹200 online (about 3% at ₹0.25 per... | Domestic (spend-based) + International via Priority Pass | 4.3/5 |
| YES Bank Marquee Credit Card | ₹4,999 + Taxes | 36 reward points per ₹200 spent on online shopping; 18 reward... | 6 Domestic/Qtr + Unlimited International (₹1L Qtr Spend) | 4.5/5 |
| YES Bank ACE Credit Card | ₹499 + Taxes | 8 YES Rewardz points per ₹200 online (about 1%), 4 per ₹200... | No Lounge Access | 4.0/5 |
| HSBC TravelOne Credit Card | ₹5,000 + Taxes | 4 reward points per ₹100 on flights, travel aggregators & foreign... | 4 Domestic + 4 International/yr | 4.7/5 |