Yes Bank RESERV Credit Card
Yes Bank
Annual Fee
₹2,499
Joining Fee
₹2,499 + GST
Base Reward
12% points
Foreign Markup
1.75% (plus applicable taxes)
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.
Interest Rate
2.99% per month (35.88% annually)
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.
Rewards
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.
Redemption
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.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹2,00,000
Min Income (Self-Employed)
₹18,00,000
Available Networks
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