YES Bank RESERV Credit Card

Card Details

YES Bank RESERV Credit Card
Issuer
YES Bank
Card type
Premium
Joining fee
₹1,999 + GST
Annual fee
₹1,999 + GST
Rewards currency
Reward Points

Highlights

  • 24 Reward Points for every Rs. 200 spent online
  • 12 Reward Points for every Rs. 200 spent on offline
  • Low forex markup of 1.75%

Welcome benefits

  • Joining Fee: ₹2,999 + GST (Waived on spending ₹40,000 within 30 days of card issuance).
  • Annual Fee: ₹2,999 + GST (Waived on spending ₹3,00,000 in the previous anniversary year).
  • Renewal benefit of 8,000 reward points if the fee is charged.

Reward earning

CategoryRP per ₹200
Online Spends24 RPs per ₹200
Offline Shopping12 RPs per ₹200
Select Categories6 RPs per ₹200
  • 1 RP = ₹0.25
  • Capped at 36,000 points per billing cycle for online spending.

Lounge access

  • 3 complimentary domestic lounge visits per quarter (Subject to quarterly spend of ₹1 Lakh).
  • 6 complimentary international lounge visits per year with Priority Pass membership.

Additional Benefits

  • 25% discount on movie tickets on BookMyShow, capped at ₹250 monthly.
  • Foreign currency markup: 1.75%.
  • 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000.
  • 4 complimentary green fee waivers per year and 1 golf lesson annually.

Review

Joining and Rewal fee waiver is not too difficult. Reward rate is average but spend required to unlock lounge benefits is too high.

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