YES Bank RESERV Credit Card: Accelerated Rewards on Online Shopping

With YES Bank RESERV Credit Card, you can save on multiple categories, including travel, lifestyle, shopping and more. Below mentioned are some of the key features and benefits of this credit card:

Up to 24 Reward Points

You can earn up to 12 reward points on your transactions via this credit card. Details regarding the same are as follows:

• 24 reward points per Rs. 200 spent on online shopping, except on select categories
• 12 reward points per Rs. 200 spent on offline shopping, except on select categories
• 6 reward points per Rs. 200 spent on select categories

Rewards Capping: The monthly rewards earning is capped at 36,000 reward points.
Excluded Categories: No reward point is going to be awarded for cash withdrawals, fuel transactions and EMI transactions.

Rewards Redemption Options

This credit card also lets you redeem your earned reward points in the following ways:

• Convert reward points into air miles, where 10 Reward Points = 1 InterMile/ Club Vistara Point)
• Redeem reward points for flight/ hotel bookings or movie tickets on YES Bank’s dedicated rewards website
• Use reward points to purchase merchandise and vouchers from the exclusive rewards catalogue

Rewards Subscription Plan

YES Bank also offers its credit card users a choice to earn accelerated reward points on their purchases if they wish to. For this they can opt for any of the 3x rewards or 5x rewards subscription plans as described below:

Subscription Plans	Plan Benefits (for 1 year)	Annual Subscription Fee
Plan 1	3 times the regular reward points on all spends	Rs. 3,500
Plan 2	5 times the regular reward points on dining, travel, fashion & healthcare spends	Rs. 5,000

Rewards Capping: The bank allows the card users to earn up to 75,000 additional reward points in a monthly cycle through these plans.
Redemption: You can redeem the earned reward points on shopping, flights, hotel booking, recharge, bill payment, e-vouchers, etc.
Steps to Avail: To avail this facility, you can either submit your request online through the bank website or call the 24×7 YES TOUCH customer care on toll free numbers 1800 103 6000 or 1800 103 1212 from India or +91 22 4935 0000 when calling from outside India.

Complimentary Lounge Access

You can avail domestic as well as international lounge access through this credit card every year, as per the below details:

• Up to 12 complimentary domestic airport lounge access per year (3 per calendar quarter) for primary cardholders
• 6 complimentary international lounge access per year for primary cardholders

Complimentary Golf Benefits

YES Bank RESERV Credit Card also offers premium golf privileges, including complimentary golf lessons and green fee waiver. Here are the details regarding the same:

• 4 complimentary green fee waivers per year at select golf courses in India
• 1 complimentary golf lesson in a year at select golf courses in India

Other Benefits

Renewal Benefit: 8,000 bonus reward points if renewal fee is charged without being waived off.

Low Forex Mark-up: Comparatively lower foreign currency exchange mark-up fee of up to 1.75% on international transactions.

Dining Offers: Minimum 15% off on dining spends at select restaurants via Dining Fiesta program.

Insurance Coverage: You can avail the insurance coverage as per the below details:

• Credit shield cover of up to Rs. 15 lakh in case of accidental death of primary cardmember
• Lost card liability cover of Rs. 15 lakh to Rs. 30 lakh
• Purchase protection cover of Rs. 50,000 for up to 6 months for any accidental damage of electronics purchased online

Fuel Surcharge Waiver: 1% fuel surcharge waiver up to Rs. 250 per cycle on your fuel transactions between Rs. 400 and Rs. 5,000.

Suggested read: Top Credit Cards in India

YES Bank RESERV Credit Card is a premium-level credit card that offers benefits on travel and lifestyle categories. Additionally, this credit card is also known for its reward point benefits. You can earn reward points on everything, be it renewal of the card or dining expenses or movie ticket bookings. Another good thing is that you can redeem these reward points for hotel/ flight bookings or products available under the YES Bank’s catalogue.

If we look at travel benefits, then this credit card is definitely a right choice for international travelers. With this card, you can avail complimentary unlimited international lounge access and limited domestic lounge access every year. Overall, this credit card is suitable for you if you love to travel, shop and enjoy golf rounds. However, if you are looking for an exclusive super-premium credit card, then you can look for other super-premium cards available in the market.

If you are looking for other credit cards that offer benefits similar to this one, then you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
HDFC Millennia Credit Card	Rs. 1,000	5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato
Axis Bank ACE Credit Card	Rs. 499	5% cashback on bill payment, DTH and mobile recharge*
IndusInd Bank Platinum Aura Credit Card	Rs. 899	4 reward points for every Rs. 100 spent on selected merchant categories
SBI SimplyCLICK Credit Card	Rs. 499	10X reward points on your spends at partner brands like Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart & Netmeds

*Terms and conditions are applicable.

The fees and charges applicable to YES Bank RESERV Credit Card are mentioned in the table below:

Type of Fee/ Charge	Amount
Joining Fee	Rs. 1,999 (Waived off on spending Rs. 40,000 within 30 days of card activation)
Annual Fee	Rs. 1,999 (Waived off on spending Rs. 3 lakh in the previous year)
Finance Charges	2.99% p.m. (35.88% p.a.)
Late Payment Fee	For Statement Balance – Up to Rs. 500: Nil Above Rs. 500: Rs. 1,350 or 10% of total outstanding amount, whichever is lower

Click here to check other associated YES Bank credit card fees and charges.

Applicants should meet the following eligibility criteria in order to apply for YES Bank RESERV Credit Card:

Particular	Details
Occupation	Salaried or Self-employed
Minimum Income for Applicants	Rs. 2 lakh p.m. or ITR of min. Rs. 18 lakh p.a.
Age Requirement	21 to 60 years

Q. How can I apply for YES Bank RESERV Credit Card?

A. You can apply for this credit card through both online and offline modes. If you want to apply online, you can visit the official website of the bank to fill out the application form. However, if you want to apply offline, then you need to visit the nearest branch of the bank.

Q. Does YES Bank RESERV Credit Card charge a cash advance fee?

A. Yes, YES Bank RESERV Credit Card charges a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 300 (whichever is higher). This fee will be billed in your next monthly statement. However, the transaction fee is subject to change at the sole discretion of the bank.

Q. Can I pay my YES Bank RESERV Credit Card bill online?

A. Yes, you can pay your credit card bill online via internet banking, RTGS/ NEFT or standing instruction. Apart from this, you can also pay your credit card bill offline through cheque or cash.

Q. What is the minimum credit score required to apply for YES Bank RESERV Credit Card?

A. Generally, the bank offers credit cards to people with a good credit score, i.e., above 750. However, there are a few credit cards that are designed for people who are new to credit. You can apply for such credit cards if you want to start your credit journey.

Q. Can I earn 12 reward points on every purchase made via YES Bank RESERV Credit Card?

A. No, you can earn 12 reward points for every Rs. 200 spent on your retail purchases. However, you cannot earn these reward points on fuel transactions, cash advance fees, Priority Pass & Lounge Key charges, EMI on call & instant EMI transactions.

Q. Does YES Bank RESERV Credit Card offer welcome benefits?

A. No, YES Bank RESERV Credit Card does not offer any welcome benefit. However, by spending Rs. 75,000 within 90 days of the card setup, you can avail joining fee waiver. This credit card also gives an annual fee waiver on spending Rs. 4 lakh in a year.

Q. What is the interest-free period offered on YES Bank RESERV Credit Card?

A. The bank offers an interest-free period of up to 50 days to YES RESERV Credit Card holders. However, this interest-free period is not applicable if the previous month’s statement balance has not been cleared in full on or before the due date.