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YES BANK RESERV Credit Card
85/100 · ₹2,499/yr
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YOUR NAME
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YES Bank
YES BANK RESERV Credit Card
Mastercard
PREMIUM
Premium MASTERCARD Top Rated

YES BANK RESERV Credit Card

by YES Bank · Data verified 2 days ago

Premium YES Bank card with unlimited international lounge, 1.75% forex.

85
Score
Based on rewards, fees, benefits & eligibility
₹2.5K
Fee
Waiver available on spending
6
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
6 RP Earn
base reward rate
999 per year Lounges
complimentary
₹2,499/yr
waiver available
85/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹2,499
Net Annual Value

You save per year!

What's Great

  • Unlimited international lounge via Priority Pass
  • Low 1.75% forex markup
  • Golf benefits included
  • Concierge service
  • Affordable Rs.1,999 annual fee

Things to Consider

  • Domestic lounge limited to 8 per year
  • Reward rate not best in class
  • Limited partner transfer options

Perfect For

International travelers Frequent flyers Premium lifestyle seekers

About This Card

YES FIRST Exclusive Credit Card offers unlimited international lounge access via Priority Pass, 1.75% forex markup, accelerated reward points on travel and dining, golf benefits, concierge service, and air accidental insurance.
Annual Fee
₹2,499
Waiver
Waived on spending ₹3 Lakh or more within 12 months prior to renewal
Joining Fee
₹2,499
Waived on spending ₹40,000 or more within first 30 days of setup

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
2.99% - 2.99%
Foreign Transaction Fee
Markup on international txns
1.75%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount or ₹650, whichever is higher + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹20,000
₹900
>₹20,000
₹1,000
Reward Points Validity
How long your earned points remain valid
3 years from date of earning
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
6
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
FREE Amazon voucher worth ₹500 on spending ₹1,000 within first 30 days

Milestone Rewards

25,000 Reward Points on ₹20,00,000 anniversary year spend

Domestic Lounges

999 per year

Int'l Lounges

999 per year

Travel Insurance

₹300L cover

Golf Benefits

Complimentary

Concierge

24/7 assistance

Fuel Savings

₹250/mo

Lost Card Cover

₹0

Add-On Card

Free

Dining

  • •Reward points/cashback earned on dining transactions
  • •Dining privileges at select partner restaurants

Shopping

  • •6X points on eligible spends
  • •Contactless (tap-and-pay) enabled
  • •EMI conversion on purchases above Rs.2,500

Travel

  • •Unlimited international lounge access via Priority Pass
  • •8 domestic lounge visits per year
  • •Air accidental insurance cover
  • •4 complimentary rounds of green fees per calendar year
  • •1 complimentary Golf Lesson every calendar month
  • •Overseas emergency hospitalization cover: ₹50 Lakhs

Special Offers & Features

  • •NRE/NRO FD required as alternative eligibility
  • •Rental transaction: 1% of value or ₹1 (whichever higher), max 3 per 30 days

EMI Options

  • •EMI conversion on purchases above Rs.2,500
  • •Tenure: 3, 6, 9, 12, 18 months
  • •Interest rate: 13-24% p.a.

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
85 out of 100

CardSahayak Score

"Apply Now" takes you to YES Bank's official website.

Eligibility

Salaried ₹200,000/mo
Self-Employed ₹150,000/mo
Age 21-60 yrs
CIBIL 725+
Employment Salaried, Self-Employed
Card Variant Exclusive

Scores

Rewards 41/100
Fees 96/100
Benefits 74/100
Access 57/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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3 Active Offers

Deals & Offers

Exclusive offers available on YES BANK RESERV Credit Card

EaseMyTrip

EaseMyTrip

Travel seamlessly across India with airfare savings from YES Bank and EaseMyTrip. Enjoy a flat 12% instant discount up to ₹1,800 on bookings of ₹5,000 and above.Use promo code EMTYES on checkout for instant price cuts.

12
Till 31 Dec 2026 EMTYES travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the EaseMyTrip app or visit easemytrip.com.
Step 2: Choose domestic flight tickets with total fare ₹5,000+.
Step 3: On the payment summary page, apply coupon code EMTYES.
Step 4: Pay with your YES Bank Credit Card to reduce your fare by up to ₹1,800 immediately.
Terms & Conditions

Valid on domestic flight bookings across India on EaseMyTrip platforms. Minimum booking amount is ₹5,000. Maximum instant discount is capped at ₹1,800. Valid once per card per month.

Use Code: EMTYES
Visit Offer

Swiggy Instamart: 15% Instant Discount (up to ₹100)

15
Till 31 Dec 2026 YESCCINSTA
Discount
15
Min Spend
499
Valid Until
31 Dec 2026
How to Avail
Apply promo code YESCCINSTA at checkout on Swiggy Instamart with YES Bank credit card.
Use Code: YESCCINSTA
Reliance Digital

Reliance Digital

Save big on the latest gadgets and appliances at Reliance Digital with your YES Bank Credit Card. Enjoy flat 7.5% instant discount up to ₹3,500 on transactions of ₹15,000 and above.

7.5
Till 31 Dec 2026 electronics
Discount
Flat 7.5% up to ₹3,500
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit any Reliance Digital retail store or reliancedigital.in.
Step 2: Select eligible smartphones, laptops, audio systems, or home appliances worth ₹15,000+.
Step 3: Select YES Bank Credit Card Instant Discount at checkout.
Step 4: Instant discount of 7.5% up to ₹3,500 is applied automatically.
Terms & Conditions

Valid on select electronic products. Minimum transaction value of ₹15,000 is required. Maximum instant discount is ₹3,500 per card per calendar month. Applicable on full-swipe and EMI transactions.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about YES BANK RESERV Credit Card

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹200,000/month min
  • • Self-employed: ₹150,000/month min
  • • CIBIL: 725+ recommended
The annual fee is ₹2,499. The fee can be waived by Waived on spending ₹3 Lakh or more within 12 months prior to renewal.
You earn 6 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: FREE Amazon voucher worth ₹500 on spending ₹1,000 within first 30 days on activation! Redeem for flights, hotels, vouchers via YES Bank rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 999 per year
  • ✓ International: 999 per year
  • → Unlimited complimentary domestic airport lounge access via Mastercard program
  • → Unlimited complimentary international airport lounge access via Priority Pass for primary and add-on cardholders
  • • Instant: Pre-approved YES Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for YES BANK RESERV Credit Card today and unlock amazing rewards and premium experiences.

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