How many reward points do I earn on online shopping?

You earn 12 YES Rewardz points per ₹100 on eligible online shopping (equivalent to 24 pts/₹200), capped at 36,000 points per statement cycle.

Does the card offer airport lounge access?

Yes — the card provides a mix of complimentary domestic and international lounge visits (Priority Pass enrolment for international lounges may be required).

Can I multiply my reward earnings?

Yes — Yes Bank offers optional paid reward subscription plans that increase point multipliers for eligible spends; charges and caps apply.

What is the welcome offer on the YES RESERV Mastercard?

Amazon voucher worth ₹500 on ₹1,000 spend within 30 days (new customers only).

What are the joining and annual fees?

Joining and annual fee are ₹1,999 + GST each. Joining fee reversal on ₹40,000 spend within 30 days; annual fee waiver on ₹3,00,000 yearly retail spend.

What is the foreign currency (forex) markup fee?

Preferential forex markup is 1.75% on international transactions.

Credit Cards/Yes Bank/Yes Bank Reserv Mastercard Credit Card

Yes Bank Reserv Mastercard Credit Card

Yes Bank

Last updated: Feb 03, 2026

e-commerce restaurants fuel grocery travel bookings

Annual Fee

₹1,999

Joining Fee

₹1,999

Forex Fee

1.75%

Lounge Access

9 visits/yr

The YES Bank RESERV Mastercard is a premium rewards card that targets customers who prioritise strong online rewards, travel perks and a low foreign exchange markup. It combines high reward rates on online shopping with complimentary lounge access and additional subscription reward options for power spenders. The card suits travellers and heavy online shoppers seeking higher point returns and sensible travel benefits.

Features of Yes Bank Reserv Mastercard Credit Card which makes it unique

Reward Subscription Plans

Optional paid subscription to multiply reward earnings (2X/3X or higher plans)

Significantly higher effective returns for frequent spenders

Useful for power users compared with standard reward rates

Low Forex Markup

Preferential foreign currency markup of 1.75%

Lower international transaction cost than many peers

Better for travellers than cards with 2%+ markups

Rewards Structure of Yes Bank Reserv Mastercard Credit Card

Online Shopping

accelerated

E-commerce and online merchants (selected exclusions apply)

Reward Rate:12 pts/₹100 (equivalent to 24 pts/₹200)

Base

base

Retail outlets, in-person transaction.

Reward Rate:"6 pts/₹100 (equivalent to 12 pts/₹200)

Milestones of Yes Bank Reserv Mastercard Credit Card

Joining Fee Reversal

₹40,000 within 30 days : Joining fee reversed

Annual Fee Waiver

₹3,00,000 annual retail spend : Annual fee waiver

Fees & Charges of Yes Bank Reserv Mastercard Credit Card

Fee & Amount	Fee Value
Joining Fee	₹1,999
Annual Fee	₹1,999
Forex Markup Fee	1.75%
Cash Advance Fee	2.5%
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	2%

Renewal Conditions:Annual fee reversed on ₹3,00,000 annual retail spend (excludes rent & wallet transactions).

Fee Explanation Fees are as per Yes Bank published schedule; GST and bank terms apply for all fees and reversals.

Detailed Explanation of Yes Bank Reserv Mastercard Credit Card Fees

Joining Fee: ₹1,999 + GST (one-time)

Reversed if total retail spends of ₹40,000 within 30 days (excludes rent & wallet transactions).

Annual Fee: ₹1,999 + GST (yearly)

Waived on ₹3,00,000 annual retail spend (excludes rent & wallet transactions).

Foreign Currency Markup: 1.75% (transaction)

Preferential rate as per bank for international transactions.

Lounge Access Benefits with Yes Bank Reserv Mastercard Credit Card

domestic Lounges

silver

Visits per year: 3

Guest access: No

Domestic lounge access available as per card privileges; primary cardholder only.

international Lounges

silver

Visits per year: 6

Guest access: Yes

Priority Pass access subject to enrolment and Priority Pass terms; check bank for activation.

Insurance Coverage with Yes Bank Reserv Mastercard Credit Card

Travel Insurance

Up to ₹10,00,000

Coverage for international trips when tickets booked on card; terms and T&Cs apply.

Purchase Protection / Warranty Enhancement

Up to ₹50,000

Valid for eligible transactions within 90 days of purchase; subject to claims process.

Additional Features of Yes Bank Reserv Mastercard Credit Card

Contactless Payments

Tap-and-pay enabled for fast checkouts

Add-on Cards

Add-on cards available at bank discretion

Up to bank-specified limit.

Welcome Bonus with Yes Bank Reserv Mastercard Credit Card

Welcome Bonus: Amazon voucher worth ₹500
Bonus Conditions: Welcome voucher valid for new customers only. Spend ₹1,000 within 30 days to receive voucher; exclusions apply (rent, wallet loads).

Application Process for Yes Bank Reserv Mastercard Credit Card

Processing Time

5-10 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via Yes Bank credit cards page or authorised partner

Complete eligibility check and upload KYC/income documents

Video KYC or branch verification as required

Card issued and dispatched after approval (timelines vary)

Required Documents for Yes Bank Reserv Mastercard Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar Passport

Address Proof

all

Accepted documents:

Passport Utility Bill Aadhaar

Income Proof

salaried

Accepted documents:

Latest salary slips Form 16 bank statements