Name: Yes Bank Reserve Credit Card
Brand: Yes Bank Ltd
Price: 2499 INR
Rating: 4.3 (1 reviews)

Yes Bank Reserve Credit Card

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4.3 )

Beginner

Best For: Shopping

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The Yes Bank Reserve Credit Card is intended for high-net-worth individuals who are interested in obtaining exclusive privileges and luxury rewards. Its unique selling proposition is the provision of premium benefits, including personalized concierge services, access to global airport facilities, and exclusive culinary offers. This program is most suitable for individuals who are frequent travelers, business executives, or those who are interested in a luxury lifestyle. It offers rewards on travel, dining, and purchasing, as well as complimentary hotel accommodations and special discounts on high-end services. This card is the perfect choice for individuals who prioritize personalized benefits, opulent travel experiences, and prestige in their daily and travel expenditures.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

0.005%

Joining Fees

₹

2499

Renewal Fees

1999

APR

35.88%

Welcome Benefit

"Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days "

Renewal Benefits

"First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within 30 days of card set up date Renewal Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 3,00,000/- or more within 12 months prior to card renewal date"

USP's:

"Preferential Foreign Currency Markup, Earn 8000 Bonus Reward Points Earn 8000 bonus Reward Points if renewal fee is charged, International and Domestic Lounge Access, Purchase Protection, Complimentary golf program"

Fees & Charges

Joining & Renewal Fees

2499,1999

Interest & Charges

Additional Charges

Rs100 per redemption request

Rs 99 plus GST convenience fee on flight bookings via reward points.

Rewards

Education, Government, Insurance, Utilities

Regular Rewards On Eligible Spends

Online

Milestone Benefits

Monthly : Spend 40k< Joining Fee Waiver.

Exclusions

Fuel, Jewellery, Rent, Wallets

Rewards capping

Redemption modes

Airline Transfer

Hotel Transfer

Additional Features

Lounge Benefits

Domestic : 3 per quarter
International : No

Insurance Benefits

Personal Accident

Other Perks

BookMyShow 25% Discount on All Movie Tickets

Eligibility Criteria

Age

18Y

Min

60Y

Max

Credit Score

720 Ex Min

Other: Card-to-card eligibility requirements.

Pros

High reward rate of 3% on online shopping spends.

Complimentary domestic and international airport lounge access.

Low foreign currency markup fee of 1.75%.

Annual fee waiver on spending ₹3 lakh in a year.

Cons

Joining fee of ₹1,999 plus GST.

Reward points not awarded for fuel transactions, cash withdrawals, and EMI transactions.

Monthly cap of 36,000 reward points on online shopping spends.

Subscription fee required for enhanced reward rates.

Terms and Conditions *

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.5 - 1.5%	₹9999	“40,000 YES Rewardz Points as Joining Benefits “	₹4999	“Renewal Membership Fee of INR 4,999 + Applicable Taxes, waived on total retail spends o...	Shopping	Accelerated YES Rewardz Points on Online Spends, International and Domestic Lounge Access, Pur...

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	10 - 20%	₹50000	“2 Lakh bonus reward points as welcome benefit, 50,000 additional reward points on reach...	₹50000	“Renewal Membership Fee: Rs.10,000 + Applicable Taxes, reversed on spends of Rs. 25,00,0...	shopping, travel, international	“Health and Wellness Benefit, Insurance Benefit Insurance Benefit, Movie Benefit, Golf B...

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★★★★★

(4.3)

Best For: Shopping Bank: Yes Bank Ltd Network: Multiple Network

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.005%	₹2499	“Get a FREE Amazon voucher worth ₹500* on spending ₹1000 within first 30 days “	₹1999	“First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spe...	Shopping	“Preferential Foreign Currency Markup, Earn 8000 Bonus Reward Points Earn 8000 bonus Rew...

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	0.25 - 0.5 %	₹399	-	₹399	“Rs. 399 (Waived off on spending Rs. 5,000 within 90 days of card activation) Rs. 399 (W...	Shopping	“Accelerated Rewards on Travel and Dining, 2X Additional Rewards “