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YES BANK · researched credit card

YES BANK RESERV Credit Card

A premium YES BANK card with strong online/offline point acceleration, 1.75% forex markup and both domestic and international lounge access.

First-party evidenceActiveReviewed September 9, 2026
Premium Credit CardsRewards Credit CardsOnline Shopping Credit CardsAirport Lounge Credit CardsTravel Credit Cards
Open official issuer sourceIssuer dossier
Annual fee₹2,499 + applicable GST
Joining fee₹2,499 + applicable GST
NetworkVisa / Mastercard premium variant as offered
Last reviewedSeptember 9, 2026
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

4 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 24, 2026.

Decision brief

Start with fit before chasing headline benefits.

The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.

Potential fit

Frequent online spenders and travelers who value a 1.75% forex markup and a materially larger lounge allowance than lower YES BANK tiers.

Before you apply
  • Domestic lounge access requires qualifying spend under current rules.
  • Reward-point value depends on redemption route and caps.
  • The ₹3 lakh renewal waiver should be evaluated against natural annual spend.
Four critical factors

Read these four fields before anything else.

They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.

Reward model24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart
Fee waiverSpend ₹40,000 within 30 days to waive first-year membership fee; spend ₹3 lakh in the anniversary year to waive the next renewal fee
Lounge access3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex markup1.75% foreign-currency conversion charge
Published terms

Exact decision fields from the maintained profile.

These fields preserve source wording and conditions rather than reducing the card to a single score.

Joining fee₹2,499 + applicable GST
Annual fee₹2,499 + applicable GST
Fee waiverSpend ₹40,000 within 30 days to waive first-year membership fee; spend ₹3 lakh in the anniversary year to waive the next renewal fee
Rewards24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart
NetworkVisa / Mastercard premium variant as offered
Lounge access3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex markup1.75% foreign-currency conversion charge
Value interpretation

Separate published mechanics from personal value.

The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.

Annual-cost test

Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.

Reward-value test

Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.

Travel-benefit test

Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.

Approval reality

Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.

Reward-value calculatorModel an effective reward rate and cap.→Annual-fee break-evenEstimate the eligible spend needed to recover the fee.→Forex-cost calculatorEstimate markup and GST on overseas spend.→
Decision checklist

Five questions to answer before applying.

These questions turn the researched terms into a personal decision without estimating approval odds.

Annual-cost question

Would you pay the stated annual fee if you did not hit the waiver?

₹2,499 + applicable GST · Spend ₹40,000 within 30 days to waive first-year membership fee; spend ₹3 lakh in the anniversary year to waive the next renewal fee

Earning question

Does your normal spending actually fall into the card’s rewarded categories?

24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart

Travel question

Are the lounge and international-use terms useful for your real travel pattern?

3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules · 1.75% foreign-currency conversion charge

Complexity question

Can you realistically track the caps, channels and exclusions behind the headline benefit?

Domestic lounge access requires qualifying spend under current rules. Reward-point value depends on redemption route and caps.

Eligibility question

Does the application route fit your profile without assuming approval?

Subject to YES BANK underwriting, documentation and internal eligibility policy

Eligibility & underwriting

Published eligibility is not an approval prediction.

Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.

Published eligibility

Subject to YES BANK underwriting, documentation and internal eligibility policy

Maintained comparisons

Compare this card against exact researched alternatives.

Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.

Browse all maintained card comparisons →
Research next

Alternatives without pretending one card is universally better.

These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.

First-party evidence ledger

Verify the card against the documents behind the profile.

Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.

Evidence statefirst party verified
ReviewedSeptember 9, 2026
Issuer documents4
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceKey Fact StatementView ↗
Supporting source 2Reward / value termsView ↗
Supporting source 3Lounge termsView ↗
Supporting source 4Fee / charge scheduleView ↗

Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.