Yes Bank RESERV Credit Card: Fees, Rewards & Benefits
Rewards card with lounge access
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The Yes Bank RESERV is a premium card with strong online earning (24 points per INR 200, capped 36,000/month), good lounge access (12 domestic, 6 international) and a low 1.75% forex markup. A 0.1 INR base point value, reduced earning on general spends and wide exclusions mean it rewards online-heavy travellers who clear the INR 3 lakh waiver.
Rewards card with lounge access
The Bottom Line
The Yes Bank RESERV is built for online-heavy traveller and fee-offsetting spender. With a ₹1,999 annual fee that is waived on ₹3,00,000 yearly spend, it offers 1.2% rewards on online shopping and airport lounge access. It makes the most sense if your spending matches online-heavy traveller and fee-offsetting spender.
It earns a base reward rate of 0.6000000000000001% and stacks best when your spending lines up with Online-Heavy Traveller, Fee-Offsetting Spender. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who spend a lot online (24 per INR 200, capped 36,000/month) and travel enough to use 12 domestic + 6 international lounge visits and the 1.75% forex markup.
Those who cross INR 3 lakh annual spend to waive the INR 1,999 fee and collect the INR 2,000 renewal benefit.
Probably not for
SkipNon-online spends earn a reduced 0.5x, and UPI, fuel, rent and bills earn nothing, so broad spenders gain little.
The 0.1 INR base point value means actual returns trail the headline multipliers.
Is It Worth It For You?
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Reward Rates
Yes Bank RESERV offers 0.6000000000000001% basic reward rate.
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Welcome Offer
Joining fee of INR 1,999 + GST waived on spending INR 40,000 within the first 30 days of card issuance.
Milestone Benefits
Annual/renewal fee of INR 1,999 + GST waived on annual spends of INR 3 lakh or more (excluding rent and wallet transactions).
Fees & Charges
Eligibility
- Min Income: ₹24 Lakhs
- Min Credit Score: 750
- Salaried/self-employed age 21-60; min monthly income ₹2L salaried (₹24L annual) or ITR ₹18L self-employed; annual fee waived on ₹3L annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
UPI Transactions
- Does not earn reward points.
Cash Advances
- Does not earn reward points.
EMI Transactions
- Post-purchase EMI and instant EMI transactions do not earn reward points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹1,999 annual fee. Apply on the Yes Bank website.
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