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Credit Cards · India

YES Bank Reserv Credit Card

Updated 3 Jul 2026Source-linked

The YES Bank Reserv Credit Card is a premium credit card from YES Bank, with a joining fee of ₹2,499 + GST.

It earns up to 24 pts per ₹200 (≈2.2% value) on online shopping spends in the form of yes rewardz points (points).

Cardholders get 2 annual international airport lounge access.

YES Bank logo
YES Bank Reserv Credit Card
Mastercard logo
  • Joining Fee₹2,499
  • Annual Fee₹2,499
  • Best Suited ForLifestyle & travel
  • Reward TypeYES Rewardz Points (points)
Rewards Rate
  • 24 pts per ₹200 on online shopping
  • 12 pts per ₹200 on offline shopping
  • Base 0.54% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
YES Bank logoYESMastercard logoworldpremium
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Rewards and Benefits

Rewards Rate
24 pts per ₹200 on online shopping
12 pts per ₹200 on offline shopping
Base 0.54% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹324/mo

    You spend ₹15,000 · earns 2.2% = ₹324 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.5% = ₹43/mo
  • Dining & food delivery₹8,000 · 0.5% = ₹43/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹54/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹5,573/yr

₹5,573 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
2.99% per month (35.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by YES Bank.
  • Joining / annual fee of ₹2,499 + GST, waived on annual spends of ₹3,00,000.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: international (2/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹3,00,000 spend.
  • Low forex markup of 2.00% — suited to international spends.
  • Complimentary international airport lounge access.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 24 pts per ₹200 on online shopping
    24 YES Rewardz per ₹200 on online shopping (except Select categories).
  • 12 pts per ₹200 on offline shopping
    12 YES Rewardz per ₹200 on offline shopping; 6 per ₹200 on Select categories (base).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi
  • government
  • education
  • utilities

Airport lounge access

International
2 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
730+
Income (salaried)
₹24,00,000 p.a.
Income (self-employed)
₹18,00,000 p.a.
Tagspremiumonlineshoppingpoints