Premium Travel & Lifestyle Card with Low 1.75% Forex & Lounge Privileges
Frequent travelers and corporate executives looking for extensive domestic and international lounge access, golf rounds, and low forex fees under ₹2,500 annual fee.
₹2,499
One-time upfront₹2,499
Waived on ₹3 lakh annual spend24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
On eligible spends3 Domestic + 3 International visits/quarter · ₹1L quarterly spend required (Domestic)
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES Bank RESERV Credit Card is crafted as a premium travel and lifestyle product designed to challenge mid-to-high tier cards from legacy private banks. Priced at ₹2,499 per year, the card delivers an impressive suite of travel perks that typically belong to cards charging double its fee. Highlighting this package is a generous lounge privilege: 3 complimentary domestic airport lounge visits per calendar quarter (12 visits annually) for the primary cardholder, plus a complimentary Priority Pass membership granting 6 international lounge visits per calendar year. The rewards architecture provides substantial value for digitally active consumers. Cardholders earn 24 YES Rewardz points per ₹200 spent on online shopping (a 3.00% reward rate, where 1 Point = ₹0.25 when redeemed for air tickets and hotels via YES Rewardz), and 12 YES Rewardz points per ₹200 on offline retail spends (1.50% return). International travelers also benefit from an ultra-low 1.75% foreign currency markup—half the typical 3.5% market rate. Lifestyle benefits round out the offering with 1 complimentary golf lesson/round per month and Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹400 off per ticket, twice monthly). Key considerations include category exclusions: spends on rent, fuel, utilities, and wallet loads are excluded from accelerated reward tiers. Additionally, while the annual fee waiver threshold of ₹3,00,000 is fair for a premium card, reward points redemption carries a nominal processing fee on the YES Rewardz portal. Overall, for corporate professionals and avid domestic travelers seeking exceptional lounge access, cinema discounts, and low forex fees, YES RESERV represents a standout choice in its price tier.
24 Reward Points for every Rs. 200 spent online. 12 Reward Points for every Rs. 200 spent on offline shopping and 6 RPs on select categories
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Retail Spends | 24 Reward Points per ₹200 spent online (3.00% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Offline Retail Spends | 12 Reward Points per ₹200 spent offline | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Retail Spends | ₹12,000 | 24 Reward Points per ₹200 spent online (3.00% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Offline Retail Spends | ₹18,000 | 12 Reward Points per ₹200 spent offline | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹2,499 + 18% GST (offset with 12,000 bonus YES Rewardz points worth ₹3,000 on spending ₹20,000 within 60 days). • Annual Renewal Fee: ₹2,499 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹3,00,000 or more in the preceding anniversary year. • Online Rewards: 24 YES Rewardz points per ₹200 spent on online retail purchases (3.00% reward rate; 1 point = ₹0.25 on flight/hotel redemption). • Offline Rewards: 12 YES Rewardz points per ₹200 spent on offline retail purchases (1.50% reward rate). • Domestic Lounge Access: 3 complimentary domestic airport lounge visits per calendar quarter (12 visits annually) for primary cardholder. • International Lounge Access: Complimentary Priority Pass membership with 6 complimentary international lounge visits per calendar year. • Entertainment & Golf: Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹400 discount, twice per month); 1 complimentary golf lesson/round per month. • Foreign Currency Markup: 1.75% + GST on all foreign currency transactions. • Finance Charges (APR): 3.5% per month (42.0% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹2,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES Bank RESERV Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
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Forex markup: 1% Low Forex
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Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
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Rewards: Bespoke high-yield rewards on global luxury spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
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