Yes Bank
YES BANK RESERV Credit Card
This is an invite only card
Top Benefits
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 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
Best For
Shopping
Travel
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹2,949 ( ₹2499 + GST )
Annual Fees
₹2,949 ( ₹2499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
24LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card 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
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Statement Credit
- Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Wallet Load
Fuel
Government Services
Insurance
Marketing/Adverting
Education
Cash Withdrawal
Cash Advance
EMI
For Spends Waiver
Wallet Load
Fuel
Government Services
Insurance
Marketing/Adverting
Education
Cash Withdrawal
Cash Advance
EMI
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2.00% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 2.99% per month 35.88% per annum apply on unpaid outstanding balances until the amount is fully repaid | 2.99% |
ATM withdrawal .50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹650, if applicable | 2.5% |
Reward Redemption Fees ₹100 + GST reward redemption fee | ₹100 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card. | ₹199 |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A cash deposit fee of ₹500 + GST is levied on credit card repayments made in cash at YES BANK branches | ₹500 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1350 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
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 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
The smartest way to find your great credit card
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