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YES Bank Reserv Credit Card
Visa, Mastercard 📡 Contactless NFC

YES Bank Reserv Credit Card

Joining Fee₹2,499
Annual Fee₹2,499
Forex Markup 2%

⚖️ Card Verdict & Target Persona

Who Should Apply

Travelers and diners wanting 16x reward points on international purchases, 12 domestic + 6 international lounge visits, and milestone bonuses.

Who Should Avoid

Users who cannot meet the ₹1 Lakh quarterly spend threshold for domestic lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

2,500 bonus YES Rewardz Points upon payment of joining fee and realization

16 Reward Points per ₹200 on International Spends

Earn 16 YES Rewardz Points per ₹200 (2.0% return) on international retail spends and dining purchases.

12 Domestic & 6 International Lounge Visits

12 complimentary domestic airport lounge visits per year (3 per quarter on min ₹1 Lakh quarterly spend) + 6 international visits via Priority Pass.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹2,499 is waived off on spending ₹10,00,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 YES Rewardz Points = ₹0.25
Standard Base Earning
8 YES Rewardz Points per ₹200 spent on all other regular domestic retail purchases (1.0% return; 1 RP = ₹0.25)
Accelerated / Partner Rate
16 YES Rewardz Points per ₹200 (2.0% return; 1 RP = ₹0.25) on International retail spends and Dining; 6 YES Rewardz Points per ₹200 on Utility bills; Milestone bonus: 10,000 bonus points on ₹6L annual spend
Points Validity:36 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: YES Rewardz Catalog (Brand Vouchers & Flight Bookings), Direct Statement Cash Credit, Air Mile Transfers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)
🌐
International Lounge Visits6 complimentary international airport lounge visits per calendar year via Priority Pass
⚠️

Spend Criteria: Requires minimum retail spend of ₹1,00,000 in the previous calendar quarter for domestic lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr
Annual renewal fee of ₹2,499 + GST is waived off on spending ₹10,00,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹200,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the YES Bank Reserv Credit Card

Annual Fee: ₹2,499/yr (Waivable)

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, YES Bank Reserv Credit Card has a joining fee of ₹2499 and an annual renewal fee of ₹2499 (plus applicable taxes).