YES BANK RESERV Credit Card
YES BANK
₹2,499
Joining fee
₹2,499, waived at ₹3L spend
Annual fee
Rs 2,499 joining fee waived if spending Rs 40,000+ in the first 30 days; Rs 2,499 annual fee waived on spending Rs 3 lakh+ in the preceding year; renewal benefit of 8,000 bonus points if the fee is charged anyway.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried minimum Rs 2 lakh/month; self-employed ITR Rs 18 lakh or above - high-income card.
Lounge access
12 domestic / 6 international visits per year
Combined Total: Aggregator frames the combined domestic (3/quarter, spend-conditional on Rs 1 lakh+ prior-quarter spend) + international (6/year) access as 'up to 18 annual visits.'
Reward details
6 points per Rs 200 on select categories
- 24 YES Rewardz Points per Rs 200 (12% value) on Online shopping
- 12 points per Rs 200 on Offline spends
Redemption
4:1 ratio, explicitly called 'poor conversion' by aggregator
Ratio: 4:1
Caps: annual cap 36,000 points maximum per billing cycle
Excluded from rewards: government, marketing, rental, cash withdrawals, wallet, fuel, post-purchase EMI, instant EMI
- Optional Plan 1 (Rs 3,500): 2X online, 3X offline/select categories
- Optional Plan 2 (Rs 5,000): 3X online, 5X offline
- Golf: 4 green fee waivers yearly plus 1 complimentary lesson annually
- 1% fuel surcharge waiver up to Rs 500/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated rewards across all online spends without brand restrictions; low forex markup; complimentary golf amenities — Paisabazaar
Complaints
- Poor 4:1 redemption ratio; earning capped at 36,000 points annually; lacks lifestyle benefits; no milestone benefits for high spenders; expensive optional subscription plans — Paisabazaar overall rating 3.0/5
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge, sentiment