Credit Cards · Honest Review

YES Bank RESERV Credit Card

Yes Bank · Visa

₹1,999Annual fee
3.00%Base rate
∞Lounge visits/yr
2%Forex markup
₹200KMin income/mo
Apply Now →⊕ Compare

Your Verdict

YES Bank RESERV Credit Card
Yes Bank · Visa
  • ✓24 YES Rewardz points per 200 on accelerated online categories
  • ✓8,000 bonus points credited upon annual fee renewal
  • ✓Complimentary domestic lounge access (quarterly spend of 1 lakh+ required)
  • ✓Premium positioning for high-income professionals and business owners
  • ✓Low 2% forex markup for international spends
₹1,999/yrAnnual fee
₹1,999
Annual fee
3.00%
Base reward rate
Unlimited
Lounge access
Good
CIBIL score
Our verdict
Yes Bank's super-premium offering for high earners, delivering steep accelerated reward rates on shopping and a generous renewal bonus, best suited to those who can consistently clear the 1 lakh quarterly spend bar for lounge access.
Fees & charges

What YES Bank RESERV Credit Card costs you

YES Bank RESERV Credit Card carries a ₹1,999 annual fee and a ₹1,999 one-time joining fee. The annual fee is waivable: Spend 3 lakh or more in a year.

FeeAmount
Annual fee (year 2+)₹1,999
Joining fee (one-time)₹1,999
Fee waiver conditionSpend 3 lakh or more in a year
Spend required for waiver₹3,00,000 / year
Foreign transaction fee (forex markup)2% per transaction
Rewards & cashback

What you earn on every rupee spent

YES Bank RESERV Credit Card earns 3.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)3.00%
🛒 Online Shopping12%
12%
Online Shopping
Welcome bonus

Joining fee waived on 40,000 spend within 30 days; 8,000 YES Rewardz points on renewal fee payment

Reward types: Points · Lounge · Miles

Benefits & perks

Beyond the reward rate

The non-reward benefits on YES Bank RESERV Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — unlimited. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for YES Bank RESERV Credit Card

YES Bank RESERV Credit Card requires a minimum net monthly income of ₹2,00,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹2,00,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹2,00,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time

Minimum monthly income of 2 lakh or annual income of 18 lakh+. Formerly known as YES FIRST Exclusive.

Verdict

Who should (and shouldn't) get YES Bank RESERV Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 12% back
  • → Frequent travelers who value airport lounge access
  • → International spenders benefiting from low forex markup
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Applicants with monthly income below ₹2,00,000
Frequently asked questions

YES Bank RESERV Credit Card — Questions answered

What is the annual fee for YES Bank RESERV Credit Card?
The annual fee is ₹1,999 from year 2 onwards, with a one-time joining fee of ₹1,999. The fee is waivable: Spend 3 lakh or more in a year.
What is the minimum income required for YES Bank RESERV Credit Card?
Salaried applicants need a minimum net monthly income of ₹2,00,000. Self-employed applicants typically need equivalent annual income proof. Minimum monthly income of 2 lakh or annual income of 18 lakh+. Formerly known as YES FIRST Exclusive.
What is the reward rate on YES Bank RESERV Credit Card for online shopping?
YES Bank RESERV Credit Card earns 12% on online shopping with no monthly cap. On all other spends, the base reward rate is 3.00%.
Does YES Bank RESERV Credit Card provide airport lounge access?
Yes — YES Bank RESERV Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass with unlimited visits.
How do I get the annual fee waived on YES Bank RESERV Credit Card?
The annual fee on YES Bank RESERV Credit Card is automatically waived when you meet the spend threshold: Spend 3 lakh or more in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get YES Bank RESERV Credit Card approved?
Most applications for YES Bank RESERV Credit Card are processed within . Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
Not sure if this card suits you?

Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.

Get My Personalised Verdict →
Apply for YES Bank RESERV Credit Card →⊕ Compare with other cards

Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.