Yes Bank

YES BANK RESERV Credit Card

RESERV Credit Card by YES BANK: earn 24 YES Rewardz Points per ₹200 online, 12 offline, 3 domestic and 6 international lounge visits, and 25% off BookMyShow

ShoppingTravelUtility Bills
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Issued by

Yes Bank

YES BANK RESERV Credit Card image
Joining Fee₹2499
Annual Fee₹2499
Income₹200000
Credit Score720

Key Highlights

Shopping

Earn 24 YES Rewardz Points for Every ₹200 on all Online Retail Spends

outside the Select categories and total earnings capped at 36,000 YES Rewardz Points per statement cycle

Earn 24 YES Rewardz Points for Every ₹200 on all Online Retail Spends

outside the Select categories and total earnings capped at 36,000 YES Rewardz Points per statement cycle

Travel

Enjoy 3 Complimentary Domestic Lounge Visits Every Quarter

on spends of ₹1,00,000 in the previous quarter, alongside 6 complimentary international airport lounge visits in 12 months and complimentary membership to 1,000+ international lounges outside India

Utility Bills

Earn 6 YES Rewardz Points for Every ₹200 on Utility Bills

and streaming subscriptions with utility spends capped at 750 YES Rewardz Points per statement cycle

Earn 6 YES Rewardz Points for Every ₹200 on Utility Bills

and streaming subscriptions with utility spends capped at 750 YES Rewardz Points per statement cycle

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹24 LPA
Self-employed Income₹18 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹2499
Joining Fee OffsetFREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days
Annual Fee₹2499
Annual Fee WaiverThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹100000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Flight & Hotel Bookings
  • Statement Credit
  • Vouchers
Earning ExclusionsWallet Load, Fuel, Government Services, Insurance, Marketing/Adverting, Education, Cash Withdrawal, Cash Advance, EMI
Spend ExclusionsWallet Load, Fuel, Government Services, Insurance, Marketing/Adverting, Education, Cash Withdrawal, Cash Advance, EMI

Benefits

All Benefits

  • Accelerated YES Rewardz Points of 24 per ₹200 on online shopping and 12 per ₹200 on offline shopping, 6 per ₹200 on Select categories
  • complimentary domestic airport lounge access 3 visits per quarter and international airport lounge access 6 visits in 12 months plus complimentary membership to 1,000+ international lounges outside India
  • 25% discount on BookMyShow movie tickets
  • YES BANK Purchase Protection on mobile phones bought online

Welcome Benefits

  • FREE Amazon voucher worth ₹500 on spends of ₹1,000 within the first 30 days

Flight Benefits

  • Flight bookings made online earn 24 YES Rewardz Points per ₹200

Airport Lounge Benefits

  • Complimentary domestic airport lounge access using the credit card a total of 3 complimentary visits per quarter for the primary cardmember, subject to spends of ₹1,00,000 or more in the previous calendar quarter
  • 6 complimentary visits in 12 months for the primary and add-on cardmember plus complimentary lounge membership to 1,000+ international lounges

Movie Ticket Benefits

  • 25% discount on movie ticket bookings on BookMyShow, on monthly spends of ₹1,000, with a maximum discount of ₹250 per month

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at fuel stations across India on transactions between ₹500 and ₹4,000, capped at a maximum waiver of ₹500 per statement cycle

Insurance Benefits

  • YES BANK Purchase Protection cover against accidental damage for 6 months from the date of purchase on mobile phones purchased online on a domestic e-commerce website using the card
  • The cover applies only on a minimum transaction value of ₹5,000, the coverage amount is ₹50,000 or the actual loss / repair amount paid for the device whichever is less, and the request must be raised within 15 days of the damage
  • Burglary is not covered and the card must have had at least one transaction of ₹100 or more in the 60 days preceding the date of damage

Bank Offer

  • Instant EMI on transactions as low as ₹1,500
  • Post Purchase EMI and EMI on Call to convert payments into EMI at attractive interest rates
  • Quick Loan within the card limit; Express Loan, a pre-approved loan at an attractive interest rate that does not block the credit limit
  • YES PayNow for automatic monthly bill payment; e-mandate registration for bills, subscriptions and insurance premiums
  • the Rewards Subscription Plan to choose the reward points you want
  • green fee waiver on golf rounds at select golf courses in India under the Golf Program the list of golf courses is at the discretion of the network partner, VISA or Mastercard

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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