YES Bank RESERV Credit Card
Yes Bank · Open to apply
YES Bank's mid-premium card: 24 YES Rewardz per ₹200 online and 12 offline, three domestic lounge visits a quarter and international lounge access, a 2% forex markup and 2.99% monthly interest. Needs ₹2 lakh a month net salary.
- Annual fee
- ₹2,499 + GST a year
- Joining fee
- ₹2,499 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 12 YES Rewardz per ₹200 on offline shopping: 12 YES Rewardz per ₹200 (about 0.6% at cash value)
- Lounges
- Domestic: 3 visits a calendar quarter after ₹1,00,000 spend; International: 6 visits a calendar year
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 24 YES Rewardz per ₹200 on online shopping: 24 YES Rewardz per ₹200 (about 1.2% at cash value)
Earns nothing on
- No YES Rewardz on insurance and education
- No YES Rewardz on railways and ferry
- No YES Rewardz on tolls
- No YES Rewardz on rent, wallet loads, fuel, government services, cash withdrawals and EMI
- No YES Rewardz on UPI transactions
Terms the calculator does not value
- YES Rewardz are valued at ₹0.25 only on flights and hotels (up to 70% of the invoice value) per YES Bank's redemption rules; statement credit and e-gift vouchers are worth ₹0.10 (₹0.10 for vouchers on this card), capped at 50% of available points. The calculator's cash-like mode uses the lower options.
- Paid feature, Rewards Subscription Plan (one year): Plan 1 at ₹5,000 gives 2 times the regular points online and 3 times offline and on Select categories; Plan 2 at ₹7,500 gives 3 times online and 5 times offline on travel, dining, fashion and healthcare. Not an always-on rate, so not in the earn rules.
- The Nov 2023 value chart lists "Renewal Rewards: reward points if renewal fee is charged" worth ₹2,000 (8,000 points at ₹0.25). Neither the current page nor the KFS (which does state Marquee's fee-linked points) mentions it for RESERV, so it is not entered as a renewal milestone.
- Select-category mapping: telecom is valued at the Select rate although only cable and streaming (MCC 4899) is Select. The transaction-level fuel, railway and transportation fees are described in the issuer's charges but the calculator uses only monthly triggers.
- Golf programme (green-fee waiver on select courses, network partner's terms) and purchase protection are listed on the page but their counts are not stated.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, RESERV Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, RESERV Credit Card value chart (Nov 2023; values YES Rewardz at up to ₹0.25) (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)
- YES BANK Credit Card Redemption Rules (Private, Marquee, Reserv and other cards) (Reward terms, the bank's own, read 6 Nov 2026)