Yes Bank
Yes Bank RESERV Credit Card
Annual Fee
₹2,949₹2,499 + GSTBase Reward
12% points
Foreign Markup
1.75% (plus applicable taxes)
Product Highlights
- 24 Reward Points for every ₹200 spent on online shopping.
- 12 Reward Points for every ₹200 spent offline.
- 6 Reward Points on every spend of ₹200 on select categories.
Category Rewards
shopping
Online Shopping 24X
24X
shopping
Offline Shopping 12X
12X
Fee Waiver
The Joining Fee is Waived on Spending ₹40,000 Within 30 Days of Card Issuance. and the Renewal Fee is Waived on Annual Spends of ₹3 Lakh or More.
Reward Calculator
Costs you ₹933/year
Break-even needs ~₹23,405/month at your reward mix.
₹16K
across all your buckets
10.1K
YES Rewardz
₹2.0K
via standard · ₹0.2/pt
Effective rate
1.05%
Annual fee
₹2,949
Year 1 net
₹-933
Year 2+ net
₹-933
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.75%Charged on every international (non-INR) transaction
Excluded from rewards
rent, wallet, fuel, upi, government, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
24 Reward Points for every ₹200 spent online. 12 Reward Points for every ₹200 spent on offline shopping and 6 Reward Points on select categories like insurance, education, government, and wallet payments.
- Reward Points Can be Redeemed on the YesRewardz Portal Against Multiple Options
Benefits & Features
Domestic: 12 Domestic Lounge Visits Every Year (3 Per Quarter) (Spending ₹1 Lakh or More in the Previous Quarter) International: 6 Lounge Visits Outside India Each Year Available for primary and add-on cardholders.
Pros & Cons
Pros
- Complimentary lounge access
- Low foreign currency markup of 1.75%
- High reward points on online spending
Cons
- Spending criteria for lounge access
- High annual fee
- Limited welcome benefits
Additional Info
Maximum of 36,000 Reward Points can be earned in a statement cycle.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹2.0L+
Self-Emp
₹18.0L+
Networks
Fee Waiver
The Joining Fee is Waived on Spending ₹40,000 Within 30 Days of Card Issuance. and the Renewal Fee is Waived on Annual Spends of ₹3 Lakh or More.