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YES Bank · Mastercard / Visa · हिन्दी

YES RESERV Credit Card: full review

The YES RESERV (formerly YES First Exclusive) offers strong 3% on online spends and 2% forex at a ₹2,499 fee, making it one of India's better mid-tier cards for online shoppers and occasional international travellers. The 4:1 redemption dilutes value on paper, but real-spend returns are still competitive.

Apply now ↗Annual fee: ₹2,499 + taxes
Last updated: August 2026 · Current terms verified
YES BANK
VISA
)))
RESERV
ASHOK KUMAR
12/28
₹2,499 + taxes (waived on ₹6,00,000/year spend)Annual fee
24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio)Reward structure
Domestic + international lounge access (spend-based from April 2025)Lounge access

Key benefits of the YES RESERV Credit Card

24 reward points per ₹200 on all online spends (3% effective value back)12 reward points per ₹200 on offline and select category spends (1.5%)1 RP = ₹0.25; 4 RP = ₹12% low forex markup on international transactionsDomestic and international lounge access (spend-based from April 2025)8,000 renewal reward points (worth ₹2,000) from 2nd yearComplimentary golf roundsAir miles transfer to Air India Maharaja Club at 15:125% off movie tickets on BookMyShow
Apply now ↗ Min. income: ₹4L/year · Credit score: 750+
Pros and cons
Pros
✓ 3% effective on online spends is strong for the fee tier
✓ 2% forex is competitive
✓ Available to customers with income as low as ₹4L/year, accessible premium card
✓ Welcome bonus value + rewards make year 1 fee easy to offset
Cons
✗ 4:1 redemption ratio is poor, dilutes stated reward rate significantly
✗ Lounge access now spend-conditional from April 2025
✗ 15:1 Air India miles transfer ratio is very weak
✗ Reward subscription plans required for best rates come at extra cost
Quick facts
Issuer YES Bank
Network Mastercard / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,499 + taxes (waived on ₹6,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Domestic + international lounge access (spend-based from April 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceYES Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for YES RESERV Credit Card is ₹2,499 + taxes (waived on ₹6,00,000/year spend). The joining fee is ₹2,499.
The main benefits of the YES RESERV Credit Card are: 24 reward points per ₹200 on all online spends (3% effective value back); 12 reward points per ₹200 on offline and select category spends (1.5%); 1 RP = ₹0.25; 4 RP = ₹1; 2% low forex markup on international transactions; Domestic and international lounge access (spend-based from April 2025); 8,000 renewal reward points (worth ₹2,000) from 2nd year; Complimentary golf rounds; Air miles transfer to Air India Maharaja Club at 15:1; 25% off movie tickets on BookMyShow.
24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio)
YES RESERV Credit Card is best for Online-heavy spenders wanting premium travel perks and low forex at a mid-range fee. The YES RESERV (formerly YES First Exclusive) offers strong 3% on online spends and 2% forex at a ₹2,499 fee, making it one of India's better mid-tier cards for online shoppers and occasional international travellers. The 4:1 redemption dilutes value on paper, but real-spend returns are still competitive.
The minimum income requirement for YES RESERV Credit Card is ₹4L/year. A minimum credit score of 750+ is also recommended.
Yes, YES RESERV Credit Card offers Domestic + international lounge access (spend-based from April 2025).
YES RESERV Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
YES RESERV vs HDFC Regalia Gold Compare →YES RESERV vs YES FIRST Preferred Compare →YES RESERV vs Axis Magnus Compare →
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