YES Bank Reserv Credit Card
Updated 15 Apr 2026Source-linked
The YES Bank Reserv Credit Card is a premium credit card from YES Bank, with a joining fee of ₹1,499 + GST.
It earns up to 12% back on grocery dining supermarket spends in the form of yes reward points (points).
Cardholders get 8 annual domestic + 2 annual international airport lounge access, plus amazon voucher worth ₹1,500 as a welcome benefit.
YES Bank Reserv Credit Card
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForDining
- Reward TypeYES Reward Points (points)
Rewards Rate
- 12% on grocery dining supermarket
- Base 0.38% on other spends
Welcome Benefits
- Amazon voucher worth ₹1,500
YESworldpremiumRewards and Benefits
Rewards Rate
12% on grocery dining supermarket
Base 0.38% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon voucher worth ₹1,500
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.75%
Interest Rates
3.50% per month (42.0% 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 ₹1,499 + GST, waived on annual spends of ₹2,50,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual) + international (2/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹2,50,000 spend.
- Low forex markup of 2.75% — suited to international spends.
- Complimentary international airport lounge access.
- Accelerated earn rate of 12% on grocery dining supermarket.
Cons
- No rewards on fuel spends.
₹1,500 welcome benefit
- Amazon voucher worth ₹1,500Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 12% on grocery dining supermarket
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
8 visit(s) / annual. Via mastercard, dreamfolks.
International
2 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.yesbank.in · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 730+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.