Yes Bank RESERV Credit Card is a mid-range card from Yes Bank. It offers higher rewards on online card spends, and also a range of lifestyle benefits like complimentary airport lounge access in India and abroad, complimentary golf and more.
The card has a minimum income requirement of ₹2 lakh per month (salaried), ₹18 lakhs per year (self-employed).
You get 12 rewards points (Yes Rewardz Points) worth ₹3, on every ₹100 you spend on online purchases with your card. You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on offline purchases with your card.
1 reward point = upto ₹0.25, and can be redeemed for flights, vouchers, products and more.
– On flights & hotel redemptions : 1 reward point = ₹0.25 (25 paise)
– On gift vouchers : 1 reward point = ₹0.10 to ₹0.25 (10 paise to 25 paise)
– Products : 1 reward point = upto ₹0.25 (the value can vary depending on the product)
Restrictions : You can earn a maximum of 36000 reward points in a month. This would be breached only if you spend more than ₹3 lakhs in a month, even if you do all your spends in the higher earning category of online spending.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 0.75% benefit only (3 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.
✔︎ 3X subscription plan : 4.50% reward on all card spends (for 12 months after subscribing to the plan)
– Subscription cost of this plan is ₹3500 per year
– You get 18 rewards points worth ₹4.50, on every ₹100 you spend on your card on all card purchases – 4.50% benefit
✔︎ 5X subscription plan : 7.50% reward on the following spends – travel || dining || fashion || healthcare (for 12 months after subscribing to the plan)
– Subscription cost of this plan is ₹5000 per year
– You get 30 rewards points worth ₹7.50, on every ₹100 you spend in these categories – 7.50% benefit
For more details, please click here.
You get free visits to domestic airport lounges, 12 times per year (maximum 3 times per quarter). From July 1 2024, this benefit is valid only if you spend ₹35000 on your card in the previous quarter.
For list of applicable lounges and other details, please click here.
You get free visits to international airport lounges, 6 times per year. This program is brought to you in partnership with Priority Pass, for list of applicable lounges and other details, please visit the Priority Pass website.
You get 4 free golf rounds per year (maximum 1 per month). You also get 1 free golf lesson per month.
For list of golf courses and other details, please click here.
You get free insurance covers :
– Lost card liability upto ₹30 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death
You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000.
This benefit is applicable at all fuel pumps across India.
To view list of restaurants and more details, please click here.
You can contact AU Bank 24/7, please click here for details – Yes Bank Customer Care Numbers & Other Contact Details
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹1999 | Welcome offer : 1st year annual fee is waived off, when you spend ₹40,000 or more on your card, within 30 days of card issuance. |
| Renewal fee from 2nd year onwards | ₹1999 | Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakhs or more in the previous year |
To view all fees and charges and details, please click here – Yes Bank Credit Cards Fees & Charges . Taxes are applicable on all fees and charges, as per existing law.
| Minimum age | Primary card member: 20 years Add-on card member: 18 years |
| Maximum age | 60 years |
| Occupation | Salaried or self-employed |
| Minimum income requirements | ₹2 lakh per month (salaried) || ₹18 lakhs per year (self-employed) |
| Credit score | Good credit score, preferably above 750 |
| Location | Only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai |
| Required documents | – PAN card copy – Identity proof : PAN card , driving license, valid passport, voter ID (any one) – Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one) – Income proof : latest salary slip/s, income tax return etc Additional documents maybe required on a case-to-case basis. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Yes Bank website. You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy. Steps : – To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for – Submit the application |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
You can track the status of your application status by clicking here – Yes Bank credit card application status. You need to enter some personal details such as mobile number and application number, to see the status of your credit card application.
ON THIS PAGE
FIND THE BEST CREDIT CARD