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Yes Bank RESERV Credit Card Features and Benefits

The RESERV Credit Card by YES Bank is a well-known credit card in the Indian market. It comes with a number of exciting benefits across various categories. Here are some of the most attractive features and benefits of this credit card:

Travel Benefits

Travel benefits with this credit card include:

• Travel offers on the Yes Privileges portal.
• 12 domestic lounge access (3 per quarter) at select airports across India. This is also available for add-on credit card holders.
• 6 complimentary lounge access outside India for primary and add-on cardholders.
• Reward Points are transferable to partner airlines’ AirMiles.

Effective 1st April 2025, access to domestic airport lounges will be based on spending criteria.

Insurance Benefits

A credit shield cover worth ₹15 lakh against the card’s balance amount in case of accidental death of the primary cardholder.

Lower Foreign Currency Markup

At 1.75%, the foreign currency markup for this credit is one of the lowest in the market.

Renewal Benefit

Get 8,000 Reward Points on payment of renewal charges, which are applicable from the second year.

Fuel Surcharge

The convenience fee on purchases (between ₹400 and ₹5,000) is waived at all refill stations across India (the maximum benefit under this waiver is capped at ₹1,000 per month).

YES First Exclusive/RESERV Credit Card Rewards

As it is a Reward Points-based credit card, you get Reward Points on transactions made with the card. You get:

• 24 Reward Points for every Rs. 200 spent on online shopping.
• 12 Reward Points for every Rs. 200 spent on offline shopping.
• Select category transactions shall earn 6 Reward Points per Rs. 200 spent. These include insurance, education, and government payments.
• A maximum of 36,000 Reward Points can be earned in a statement cycle.
• Yes Bank Reward Points are valid for 3 years from the accumulation date.
• Reward Points will not be awarded for fuel transactions, cash withdrawals, rental/wallet payments, and transactions converted into EMI.

Rewards Redemption

Yes Bank Reward Points can be redeemed for purchasing various products, e-vouchers, travel bookings, and movie tickets on the Yes Rewardz portal.

Yes Bank First Exclusive/RESERV Credit Card Eligibility

The eligibility criteria that need to be fulfilled by the applicants in order to get approved for the YES Bank First Exclusive Credit Card are as follows:

• Must be a resident of India,
• Must be between the age of 21 and 60 years,
• Should have a minimum monthly income of ₹2 lakh or annual income of ₹18 lakh or above.

How to Apply for Yes RESERV Credit Card?

YES Bank provides you with online as well as offline methods to apply for the RESERV Credit Card. To apply online, you can click on the Apply Now button appearing on your screen. Fill in a few details, and you will have submitted your application for the Yes Bank First Exclusive/Reserv Credit Card. If you don’t prefer online methods, you always have the option to visit your nearest Yes Bank branch. You will need identity proof, address proof, and a passport-size photo of yours along with proof of income such as salary slip(s) in case of salaried employees and ITR documents for self-employed applicants.

Those who already hold a Yes Bank Credit Card shall not be eligible for the RESERVE Card. 

Yes Bank RESERV Credit Card Review

If you frequently fly internationally, this credit card is worth considering. It offers six complimentary lounge accesses at airport lounges outside of India, which is a significant benefit. One unique aspect is that free international lounge access is also available for add-on cardholders. However, while this card may seem attractive at first glance, there are several drawbacks, such as lounge access being based on spending requirements.

There are alternative cards to consider, including the IDFC Ashva, HDFC Diners Club Privilege, and Axis Horizon Credit Card. Despite its limitations, the Yes Reserv Credit Card may still be a good choice for high-net-worth individuals. We’d love to hear your thoughts on this card in the comments section.