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Yes Bank RESERV

Annual Fee

₹1,999

Rewards/₹100

₹0.75 - ₹3.00

Normalized to balance base rate with bonus categories

At a Glance

Key Benefits

Reward points, 1.75% forex markup

Lounge Access

12 domestic + 0 intl lounges/year

Eligibility

Any income level, Age: 21-60 years

Quick Details

Annual Fee
₹1,999 #215
Joining Fee
₹1,999 #216
Forex Markup
1.75% #24
Rewards/₹100
₹0.75 - ₹3.00 #101
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
12/year #23
International Lounge Visits
0/year
Min Monthly Income ₹NaN
Network VISA
forex_markup 1.75%
fuel_surcharge_waiver 1.00%
Fee Waiver on Spend ₹3,00,000/yr

Reward Structure

Accel

Online Spends

₹3.00 /₹100
Base

Offline Spends

₹1.50 /₹100
Base

Select Categories

₹0.75 /₹100

Reward Calculator

Allocate by Category 100%
Online Spends
12.0 pts
60% ₹0
Other Spends
3.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Airport Lounge Access

International Free
0

visits

Unlimited via Priority Pass

Domestic Free
12

visits

3 per quarter, Rs.1 lakh spend required

Insurance Coverage

Air Accident

₹3,00,00,000

Overseas Medical

₹50,00,000

Credit Shield

₹10,00,000

Quick Analysis

The Yes Bank RESERV stands out with its impressive reward structure offering up to ₹3.00 per ₹100. The ₹1999 annual fee is justified if you spend enough to maximize rewards. Recommended for those who can align their spending with bonus categories.

Pros

  • Annual fee waiver on spending ₹300000
  • Good reward rate of up to ₹3.00 per ₹100
  • Generous 12 domestic lounge visits per year
  • Comprehensive insurance coverage up to ₹3 crore
  • Low forex markup of 1.75% - great for international spends

Cons

  • High income requirement of ₹1800K per month
  • Reward points may have limited redemption options

Best For

Premium travelers seeking unlimited international lounge access and high rewards

Frequently Asked Questions

What are the fees for Yes Bank RESERV Credit Card?
The Yes Bank RESERV Credit Card has a joining fee of Rs 1,999 and annual fee of Rs 1,999. The annual fee can be waived on spending Rs 300,000 in the previous year.
What is the eligibility criteria for Yes Bank RESERV Credit Card?
To be eligible for the Yes Bank RESERV Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. Yes Bank customers with existing relationships may get preferential treatment.
What rewards does Yes Bank RESERV Credit Card offer?
The Yes Bank RESERV Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the Yes Bank rewards portal.
Does Yes Bank RESERV Credit Card offer airport lounge access?
Yes, the Yes Bank RESERV Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for Yes Bank RESERV Credit Card?
You can apply for the Yes Bank RESERV Credit Card through Yes Bank official website, mobile app, or by visiting your nearest Yes Bank branch. Existing customers can also apply through net banking.

User Reviews

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