Yes Bank Reserv Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹2,499
₹2,499
1.75%
18 visits/yr
Contents
Yes Bank Reserv Visa Credit Card is a premium YES Bank credit card targeted at high-income users who want strong rewards on online shopping, travel and lifestyle spends. It offers accelerated YES Rewardz Points on online and select categories, complimentary domestic and international airport lounge access, a low 1.75% forex markup fee and comprehensive travel and protection insurance. With golf privileges, fuel surcharge waiver, reward subscription plans and wide Visa acceptance, this Reserv Visa card is ideal for affluent professionals and business owners looking for a premium all-rounder rewards and lounge access credit card in India.
Features of Yes Bank Reserv Visa Credit Card which makes it unique
High Online Rewards on Broad Categories
Earn 24 YES Rewardz Points per ₹200 on a wide range of online transactions without being locked into a single brand or marketplace.
Delivers strong value-back for users who prefer paying for shopping, travel, food delivery and digital services online.
More flexible than many co-branded cards that give accelerated rewards only on one or two partner brands.
Low 1.75% Forex Markup
Preferential 1.75% foreign currency markup on international transactions, lower than the 3.5% charged by many premium cards.
Ideal for frequent international travellers and users who often pay on foreign websites, helping them save on forex charges.
Competitive forex rate compared with most mid-range and premium travel and rewards cards in India.
Premium Lounge and Golf Combo
Complimentary domestic and international airport lounge access paired with golf privileges and strong insurance benefits on a mid-range fee.
Combines travel comfort, lifestyle experiences and protection benefits in one YES Bank premium credit card.
Many similarly priced cards offer either lounge access or golf, but not this combination of both plus insurance.
Rewards Structure of Yes Bank Reserv Visa Credit Card
Online Shopping
baseEligible online retail transactions such as e-commerce, travel, food delivery and bill payments, excluding restricted segments like fuel, rent, wallet loads and government payments.
High rewards on broad online categories make this card attractive for users who pay for most shopping and services online; rewards can be further boosted via YES Rewardz subscription plans.
Offline Shopping
baseEligible point-of-sale spends at retail, lifestyle, dining and travel merchants, as defined by YES Bank.
Good earn rate for daily offline spends on shopping and dining at Visa-accepting outlets.
Select Categories
baseMapped categories like utilities, insurance, education and telecom services, which are frequently excluded on other cards.
Earning rewards on categories such as utilities and insurance adds extra value where many competing cards give zero points.
Other Eligible Spends
baseAll other eligible retail transactions excluding fuel, cash withdrawals, rent, wallet loads and other excluded spends.
Base earn rate and any changes are governed by the YES Rewardz programme and optional subscription plans.
Fees & Charges of Yes Bank Reserv Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 1.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,350 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on spends of ₹3,00,000 in the previous year; if renewal fee is charged, cardholder earns 8,000 YES Rewardz Points as renewal benefit.
Fee Explanation Finance charges of around 3.99% per month (47.88% p.a.) may apply on unpaid dues and cash advances, along with standard late payment, overlimit and returned payment fees as per the latest YES Bank credit card schedule.
Detailed Explanation of Yes Bank Reserv Visa Credit Card Fees
Joining Fee: ₹2,499 + taxes (once)
Waived on retail spends of ₹40,000 within 30 days of card setup; rent, wallet loads and restricted categories are usually excluded from the waiver calculation.
Annual / Renewal Fee: ₹2,499 + taxes (yearly)
Waived on eligible spends of ₹3,00,000 in the preceding year; if the renewal fee is charged, you earn 8,000 YES Rewardz Points as a renewal benefit.
Forex Markup Fee: 1.75% (transaction)
Charged on all international transactions done in foreign currency; competitive compared to many cards that charge 3.5%.
Cash Advance Fee: 2.5% (transaction)
Levy on ATM cash withdrawals with a typical minimum charge per transaction; interest accrues from the date of withdrawal until full repayment.
Late Payment Fee: Up to ₹1,350 (event)
Nil or lower fee on very small balances; up to 10% of total amount due, capped at around ₹1,350 as per YES Bank slab-based late fee structure.
Fuel Surcharge Waiver: 1% (transaction)
1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000 per transaction, subject to a monthly cap on the total waiver.
Lounge Access Benefits with Yes Bank Reserv Visa Credit Card
domestic Lounges
silverVisits per year: 12
Guest access: No
Up to 3 complimentary domestic airport lounge visits per calendar quarter for the primary cardholder, often linked to meeting minimum quarterly spend criteria as per the latest YES Bank lounge access terms.
international Lounges
silverVisits per year: 6
Guest access: No
Up to 6 complimentary international airport lounge visits per calendar year for the primary cardholder via Visa / partner lounge programmes; guest visits are chargeable at applicable rates.
Insurance Coverage with Yes Bank Reserv Visa Credit Card
Air Accident Cover
₹3,00,00,000Air accident insurance is typically applicable when the ticket is purchased using the Yes Bank Reserv Visa Credit Card; coverage and exclusions are as per the group insurance policy.
Medical Emergency Cover
₹50,00,000Medical emergency coverage mainly supports overseas travel emergencies and is subject to policy terms, geographic limits and claim procedures.
Credit Shield Cover
₹15,00,000Credit shield helps pay off outstanding card dues in case of covered events like accidental death or permanent disability of the primary cardholder.
Lost Card Liability
₹15,00,000 – ₹30,00,000Protects against unauthorised transactions after loss or theft is reported to YES Bank; coverage limits, time windows and exclusions apply as per policy.
Additional Features of Yes Bank Reserv Visa Credit Card
YES Rewardz Subscription Plans
Optional paid YES Rewardz subscription plans allow you to boost your rewards to 2X–5X on online, offline and select category spends with the Reserv Visa Credit Card.
Subscription fee is charged over and above the card fee; earn rate multipliers and categories covered depend on the selected YES Rewardz plan.
EMI on Call & Instant Loan
Convert large transactions into EMIs or avail instant loans within your credit limit at attractive interest rates using the Yes Bank Reserv Visa Credit Card.
Eligibility is based on your profile, transaction amount and YES Bank’s internal policies; processing fee and interest charges may apply.
Golf Benefits
Complimentary green fee waivers and one free golf lesson annually at select golf courses in India add premium lifestyle value.
Advance booking, specific golf courses and programme terms apply; benefits may be limited to a fixed number of uses per year.
YES PayNow & Auto Bill Pay
Automate bill payments for utilities, insurance, telecom and subscriptions so you never miss due dates and continue earning YES Rewardz Points on eligible bills.
Some high-value utility, education and rental payments may attract additional service charges as per YES Bank’s latest schedule of charges.
Contactless Payments
Tap-to-pay enabled EMV chip card for quick and secure payments at enabled contactless POS terminals in India and abroad.
Per-transaction and daily limits on contactless payments apply in line with RBI and YES Bank guidelines.
Welcome Bonus with Yes Bank Reserv Visa Credit Card
Welcome Bonus: Amazon voucher worth ₹500
Bonus Conditions: Make eligible retail purchases of at least ₹1,000 within 30 days of card setup; rent payments, wallet loads and certain restricted categories typically do not qualify for the welcome voucher.
Application Process for Yes Bank Reserv Visa Credit Card
Processing Time
Typically 5–7 working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank website and go to the Yes Bank Reserv Credit Card page.
Click on the Apply Now button and fill in your personal, contact and income details in the online form.
Upload or share KYC and income documents such as PAN, Aadhaar, address proof and salary slips or ITR, as requested.
YES Bank may conduct tele-verification or physical verification based on your application details.
On approval, your credit limit is assigned and the Yes Bank Reserv Visa Credit Card is dispatched to your registered address.
Required Documents for Yes Bank Reserv Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Yes Bank Reserv Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Very wide acceptance across India at most Visa-enabled POS terminals, online merchants, fuel stations, retail outlets and service providers.
International Acceptance
Accepted globally at millions of merchants and ATMs on the Visa network, making it suitable for foreign travel and international e-commerce.
Online Acceptance
Enabled for domestic and international e-commerce payments, app-based spends, travel bookings, food delivery and subscription services.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Yes Bank Reserv Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents and eligible NRIs, subject to YES Bank internal policies.
Income Requirements
Salaried Applicants
₹200,000
Minimum annual income
Self-Employed Applicants
₹150,000
Minimum annual income
Who Can Apply
Important Conditions
- Salaried or self-employed with minimum net salary of ₹2,00,000 per month or ITR of ₹18,00,000 per year; strong credit profile, valid PAN and Aadhaar, and clean repayment history preferred.
How Approval Is Decided
- Applicant must be between 21 and 60 years of age.
- Indian resident or eligible NRI with complete KYC documentation.
- Minimum net salary of about ₹2,00,000 per month for salaried or ITR of at least ₹18,00,000 per year for self-employed applicants.
- Healthy credit score (ideally 750+) and strong repayment history across existing loans and cards.
Pros of Yes Bank Reserv Visa Credit Card
- High YES Rewardz earning rate on online shopping and good rewards on offline and select categories.
- Complimentary domestic and international airport lounge access well-suited for frequent travellers.
- Low 1.75% forex markup compared with many premium and super-premium cards that still charge 3.5%.
- Comprehensive insurance coverage for travel, medical emergencies and card-related risks.
- Additional lifestyle value through golf benefits, dining discounts and reward subscription options.
Cons of Yes Bank Reserv Visa Credit Card
- YES Rewardz redemption value is generally lower than some airline miles or specialised hotel programmes.
- Fewer dedicated movie and premium dining offers than some competing lifestyle-focused credit cards in India.
- High income requirement makes approval harder for users in lower income brackets.
- Annual fee of ₹2,499 + taxes means you must spend around ₹3,00,000 a year to fully justify the card.
- Reward earnings are capped at 36,000 YES Rewardz Points per billing cycle, which can limit value for very heavy spenders.
Frequently Asked Questions about Yes Bank Reserv Visa Credit Card
What is the joining fee and annual fee of Yes Bank Reserv Visa Credit Card?
Yes Bank Reserv Visa Credit Card usually charges a joining fee and annual fee of ₹2,499 + taxes each. The joining fee is typically waived if you spend around ₹40,000 within the first 30 days, and the annual fee is waived when you spend ₹3,00,000 or more in the previous year, as per the latest YES Bank fee rules.
How many YES Rewardz Points can I earn with the Yes Bank Reserv Visa Credit Card?
You generally earn 24 YES Rewardz Points per ₹200 on eligible online shopping, 12 YES Rewardz Points per ₹200 on eligible offline spends and 6 YES Rewardz Points per ₹200 on select categories such as utilities and insurance. Total earnings are capped at 36,000 YES Rewardz Points per billing cycle, and no points are given on excluded categories like fuel, rent, wallet loads and government payments.
What lounge access benefits does the Yes Bank Reserv Visa Credit Card provide?
The Yes Bank Reserv Visa Credit Card typically offers up to 3 complimentary domestic airport lounge visits per quarter and up to 6 complimentary international lounge visits per year for the primary cardholder through Visa and partner lounge programmes, subject to minimum spend criteria and the latest YES Bank lounge access terms.
What is the forex markup on the Yes Bank Reserv Visa Credit Card for international transactions?
The card usually charges a preferential foreign currency markup fee of 1.75% on international transactions, which is significantly lower than the 3.5% forex markup commonly seen on many other Indian premium credit cards and makes it attractive for frequent international travellers.
Who should apply for the Yes Bank Reserv Visa Credit Card?
Yes Bank Reserv Visa Credit Card is best suited for high-income salaried professionals and business owners who spend heavily online, use airport lounges multiple times a year, make frequent international transactions and can comfortably achieve ₹3,00,000 annual spends to maximise rewards, fee waivers and premium benefits.
Does the Yes Bank Reserv Visa Credit Card offer fuel surcharge waiver and insurance benefits?
Yes, the card offers a 1% fuel surcharge waiver on eligible fuel transactions within the specified range per transaction and comes with strong insurance benefits such as air accident cover, medical emergency cover, credit shield and lost card liability, all governed by the respective group insurance policy terms and conditions.
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