YES BANK RESERV Credit Card: fees, rewards & benefits

Rewards, as stated by the issuer

Now choose the reward points you want
Effective 15th June 2026, Reward Points will not be awarded for Rent, Wallet, Fuel, UPI, Government & Marketing / Advertising category transactions, cash withdrawals and transactions converted to EMI (Post Purchase EMI, EMI on Call & Instant EMI), Insurance, Education, Railways, Toll & Ferry.

Other benefits

25% Discount Offer on BookMyShow h
Collection & Recovery agencies – Credit Cards (PDF, 1.29 MB)
Insurance Sales, Underwriting, and Premiums
Insurance Premiums
d) Terms and conditions apply. Click here to view T&C and The list of golf courses is subject to change at the sole discretion of the network partner (VISA or Mastercard) and without any prior notice to YES BANK or its Cardmembers.

Welcome & milestones

Welcome

None listed.

Milestones

First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within one month of card set up date
Renewal Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 3,00,000/- or more within 12 months prior to card renewal date

Lounge access

International: Complimentary International Airport Lounge Access

Programme: LoungeKey

Eligibility

Age

Between 21-60 years of age

Income

https://creditrewardz.yes.bank.in/
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above

Employment

Salaried or self employed

Every fee line found on the page

Preferential Foreign Currency Markup of 2.00%
Attractive Interest Rate of Only 2.99% on Revolving Credit
First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within one month of card set up date
Renewal Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 3,00,000/- or more within 12 months prior to card renewal date
Interest Rate of 2.99% per month (35.88% annually) on Overdue amount
h) Foreign Currency Markup applicable prior to 15th June 2026 is 1.75%

Fees

Joining

₹2,499

Annual

₹2,499

Renewal

₹2,499

Waiver

First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within one month of card set up date

Forex markup

2.00%

Interest rate

2.99%

Read from

Issuer page (rendered)

HTTP 200 · read 2026-07-26

Source page ↗

Fee schedule

The issuer prices this elsewhere; follow the link below for the authoritative figure.

Schedule of charges ↗Schedule of charges ↗Schedule of charges ↗Schedule of charges ↗

Evidence — the sentence each fee came from

annual: Renewal Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 3,00,000/- or more within 12 months prior to card renewal date

forex_markup: Preferential Foreign Currency Markup of 2.00%

interest_rate: Attractive Interest Rate of Only 2.99% on Revolving Credit

joining: First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within one month of card set up date

renewal: Renewal Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 3,00,000/- or more within 12 months prior to card renewal date

waiver: First Year Membership Fee of INR 2,499 applicable taxes, waived off on total retail spends of INR 40,000/- done within one month of card set up date