Unlock Your Spending Power with The YES BANK Reserv Credit Card

Are you someone who enjoys premium experiences and expects strong rewards on every spend? Then, the YES BANK Reserv credit card is exactly designed for you. From accelerated reward points up to 5X to luxury perks like golf and lounge access, this card delivers value with every swipe! 

Let us explore what makes this card truly rewarding for high spenders and frequent travellers.

How to Earn Reward Points on Every Swipe of YES BANK Reserv Credit Card?

The YES BANK Reserv credit card rewards you generously across different spending categories. Here is how it works:

• Cardholders can earn 24 YES Rewardz Points for every ₹200 spent on online shopping, excluding selected categories. 
• For offline purchases, you can earn 12 YES Rewardz Points for every ₹200 spent. This applies to dining, shopping, and daily lifestyle expenses.
• On other retail spends, you can earn 6 YES Rewardz Points for every ₹200 spent.

Points to Note: 

• Reward Points are not earned on rent payments, wallet loads, fuel, UPI transactions, government spends, advertising-related transactions, cash withdrawals, or EMI conversions.  
• There is also a monthly cap of 36,000 Reward Points per statement cycle.

What are the YES BANK Reserv Credit Card Reward Subscription Plans?

The YES BANK Reserv Credit Card features a unique "Accelerated Rewards" model through two distinct subscription plans. These plans help you earn up to 3X or 5X Reward Points, depending on how and where you spend. Take a look at the table below:

Note: Purchased subscription plans are valid for a year. After a year, you have to renew the plan for persistent earning. 

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Important Points to Know About Subscription Rewards

• Additional Reward Points earned through the 3X or 5X plans are calculated monthly. 
• These bonus points are credited on the 10th of the following month. For example, extra points earned on spends made in July will reflect in the statement generated after 10th August. 
• The monthly cap for additional Reward Points is 75,000 per customer. If the total transactions exceed this limit, the rest of the purchases become ineligible for earning Reward Points for that month.  

Earn Bonus Reward Points on Renewal 

From the second year onwards, you can earn 8000 bonus YES Rewardz Points when your renewal fee is charged. 

This benefit offsets the annual fee and ensures continued value. It rewards loyal cardholders who use the card actively year after year.

Top 5 YES BANK Reserv Credit Card Features 

1. Complimentary Golf Program 

Enjoy exclusive access to a premium golf program with the YES BANK Reserv credit card. You get 4 green fee waivers per year and one complimentary golf lesson annually at select golf courses across India. Your access to a golf course depends on your card variant. To find your nearest golf course, click here. 

2. BookMyShow Discount

Movie lovers can enjoy a 25% discount on tickets booked through BookMyShow using the card. The discount is capped at ₹250 per calendar month. Once the monthly limit is reached, no further discounts apply for that month. 

3. Lounge Access

Travel becomes more comfortable with YES BANK Reserv credit card lounge access. You get 6 complimentary international lounge visits per year, shared between primary and add-on cardholders. Additionally, you receive 3 complimentary domestic lounge visits per quarter within India if you spend ₹100,000 in the previous quarter. 

4. Purchase Protection Plan: 

The YES BANK Reserv credit card offers added security for your online purchases. Cardholders receive insurance coverage of up to ₹50,000 against accidental damage. This protection is valid for 6 months on mobiles and electronic items purchased online. 

5. Fuel Surcharge Waiver

Cardholders can also save on fuel expenses with a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at petrol pumps across India.  

However, all your credit card privileges can vanish if you miss a monthly payment. A missed due date not only affects your credit score; it can also lower your Reserve card limit and increase your interest rate.

YES BANK Reserv Credit Card Eligibility 

• Applicants must be between 21 and 60 years of age
• Open to salaried and self-employed individuals
• Minimum income requirement:
  • Net monthly salary of ₹200,000 or
  • Income Tax Return of ₹18,00,000 or more
• Existing YES BANK credit card holders are not eligible
• RuPay variant is available as a Virtual RuPay Card for existing Mastercard or Visa cardholders

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YES BANK Reserv Credit Card Charges

💡The Pice app lets you set reminders, track all your due dates, and stay completely in control, so you never miss a payment again.

Conclusion

Designed for affluent spenders and frequent travellers, the YES Bank Reserv Credit Card combines accelerated rewards, luxury privileges, and flexible subscriptions. With high earning potential, golf and lounge access, and renewal bonuses, it delivers consistent premium value, provided you manage payments responsibly and maximise spends across eligible categories for long-term gains.

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