YES Bank RESERV Credit Card
Card Summary
YES Bank RESERV Credit Card is a premium offering designed for high spenders seeking superior rewards and travel privileges.
Quick Overview
Expert Review
The YES Bank RESERV Credit Card caters to affluent customers who value premium travel and lifestyle benefits. It offers accelerated YES Rewardz Points on online and offline spends, domestic and international airport lounge access, fuel surcharge waiver, and purchase protection, making it an ideal card for frequent travelers and luxury spenders.
Key Features
The YES Bank RESERV Credit Card caters to affluent customers who value premium travel and lifestyle benefits. It offers accelerated YES Rewardz Points on online and offline spends, domestic and international airport lounge access, fuel surcharge waiver, and purchase protection, making it an ideal ca...
Key Highlights
Reward Rate
4-9%
Annual Fee
₹2,999 + GST
Rating
4.7/5
Category
Premium Travel
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
High reward rate
International lounge access
Low foreign transaction fee
Limitations
High annual fee
Not suitable for low spenders
Fee and Charges
Joining Fee
₹2,999 + GST
Annual Fee
₹2,999 + GST
APR
39%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.50% of transaction amount (minimum ₹300) |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 1.75% |
| Over Limit Penalty | 2.50% |
| Fuel Transaction Surcharge | 1% |
| Minimum Repayment Amount | 5% of total outstanding |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | ₹0 |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | 4-9% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Premium Spenders
Ideal for high-income individuals seeking premium travel and lifestyle benefits
How to Apply
Visit the YES Bank website and go to Credit Cards section
Select YES Bank RESERV Credit Card
Complete the online application form
Upload required documents
Wait for verification and approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: Minimum ₹12 Lakhs/year
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport
Proof of Address
Aadhaar Card, Passport, Utility Bill (not more than 3 months old)
Proof of Income
Latest salary slips, Form 16, Last 3 months bank statement
Expert Review
Detailed Analysis
The YES Bank RESERV Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With 4-9% rewards on eligible spends, it makes a compelling option for premium travel enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹2,999 + GST and other associated charges. These factors should be weighed against the benefits offered.
Overall, the YES Bank RESERV Credit Card is a great option for those who want a premium travel credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
Quick Stats
Best Suited For
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