YES Bank
RESERV Credit Card
SimplifyCards take:A good fit if you want a card built for premium, travel, and lounge
✓
Best for Online SpendsBest for
24 YES Rewardz Points / ₹200 spent
!
Avoid if your spend is lowWatch out
The ₹ 2,499 fee waives only at ₹ 3 lakh/year, and some benefits can be spend-gated
✦
Good fit if you want a card built for premium, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 1.75% forex markup, and accelerated rewards on online spends
Estimate your YES Rewardz Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
YES Rewardz Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Online Spends | 24 YES Rewardz Points / ₹200 spent | 9,000 YES Rewardz Points |
| Other Retail Spends | 12 YES Rewardz Points / ₹200 spent | - |
| Select Categories (utilities, Insurance, Education, Telecom) | 6 YES Rewardz Points / ₹200 spent | 750 YES Rewardz Points |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.1 airmile per point
Vouchersupto ₹ 0.1 per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 10:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Adani One | Adani One Rewards | 100:10 |
Important conditions
1
Domestic lounge12 visits per year
- 3 complimentary domestic lounge visits per quarter for primary cardmember
- Domestic lounge access is subject to a spend threshold of ₹1,00,000 in the previous calendar quarter
2
International lounge6 visits per year
- 6 complimentary international lounge visits in 12 months for primary and add-on cardmembers
3
Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 8,000 YES Rewardz points credited on joining fee realization
Renewal benefits
- 8,000 YES Rewardz points credited on renewal fee realization
Additional benefits
- BookMyShow discount up to 25% on movie tickets (up to ₹250 per transaction)
- Purchase protection cover on eligible electronics
- Green fee waiver and golf lessons at select golf courses
Additional details
- First-year membership fee is waived on spending ₹40,000 within 30 days of card issuance
Eligibility
Check this before you apply
Salaried
- Eligibility is subject to YES BANK approval criteria
Self-employed
- Eligibility is subject to YES BANK approval criteria
Exclusions
Spending that does not earn yes rewardz points
- Fuel transactions
- Rental payments
- Wallet loading transactions
- Cash withdrawal / cash advance transactions
- EMI transactions (including post-purchase and instant EMI)
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