Yes RESERV Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
1 RP = 0.25 Paisa.
Users will get 24 YES Reward Points for every INR 200 for online shopping, Online cashback rate: 3%.
12 YES Reward Points for every INR 200 for offline shopping. offline cashback rate: 1.5%.
6 YES Reward Points for every INR 200 on selected categories, cashback rate on other spends: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
Travel benefits. Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
Lounge Access
Fees & Charges
Joining Fee
First Year Membership Fee of INR 1,999+ applicable taxes
Annual Fee
First Year Membership Fee of INR 1,999+ applicable taxes
Cash Advance Fee
2.5% of the withdrawn amount or a minimum of Rs. 300
Interest rate
2.99% per month (35.88% annually)
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 1.75% (plus applicable taxes).
Other Fees
First Year Membership Fee of INR 1,999+ applicable taxes, waived off on total retail spends of INR 40,000/- done within 30 days of card set up date. | Cash Advance Charges: 2.5% (subject to a minimum of Rs. 300)
दोष
High annual fees.
There are no rewards on groceries and convenience store spending.
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Between 21-60 years of age.
Salaried or self employed.
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
सम्पर्क करने का विवरण
1800 1200
खाता खोलने की प्रक्रिया और प्रक्रिया



विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
High annual fees.
There are no rewards on groceries and convenience store spending.
The Yes Bank Reserv Credit Card is a good option for frequent online shoppers who also travel occasionally. The high rewards rate for online purchases and the inclusion of airport lounge access make it attractive. However, if you spend a significant amount offline on groceries, utilities, etc., the lower rewards rate might be a drawback.
The Yes Bank Reserv Credit Card is a good option for frequent online shoppers who also travel occasionally. The high rewards rate for online purchases and the inclusion of airport lounge access make it attractive. However, if you spend a significant amount offline on groceries, utilities, etc., the lower rewards rate might be a drawback.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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