Yes RESERV Credit Card

Name: Yes Bank Yes RESERV Credit Card
Brand: Yes Bank
Price: 2949 INR
Rating: 2.96 (1 reviews)

Ranked #91 of 170 in credit

creditVisa/MastercardPremium

Yes Bank's premium credit card (rebranded from "YES FIRST Exclusive") offering a market-leading 1.75% forex markup and strong accelerated online rewards, but recently devalued by a major domestic lounge access spend-threshold hike (Apr 2025) — best suited for high online spenders who can hit the new Rs1L/quarter lounge threshold.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value9/100 · weight 71%

≈ 0.48% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.

No rewards on: rent, fuel. Reward score is scaled by ×(1 − 3.2%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency79/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks79/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹2,499 + 18% GST
= ₹2,949 total
Annual fee: ₹2,499 + 18% GST
= ₹2,949 / year total
Forex markup: 1.75%

Lounge access

Domestic (per year): 12
International (per year): 6

Reward structure

Category	Type	Rate	Cap	Notes
online_shopping	points	0.75%(3 pts @ ₹0.25)	—	24 pts/Rs200 online, excl. select categories; ~3% at Rs0.25/pt (headline value higher but effective redemption lower)
online_spends	points	0.50%(2 pts @ ₹0.25)	—	—
dining	points	0.50%(2 pts @ ₹0.25)	—	—
groceries	points	0.50%(2 pts @ ₹0.25)	—	—
travel	points	0.50%(2 pts @ ₹0.25)	—	—
all_spends	points	0.38%(1.5 pts @ ₹0.25)	—	12 pts/Rs200 offline general spends
fuel	points	0.25%(1 pts @ ₹0.25)	—	—

Welcome offer

Amazon voucher worth Rs500 on Rs1,000 spend within first 30 days

Milestone benefits

Pros

Very low 1.75% forex markup (among best in market)
strong accelerated online rewards (24 pts/Rs200 = ~3% effective, up to 9% with subscription plans)
6 international lounge visits/year including add-on cardholders
golf privileges

Cons

DEVALUATION: domestic lounge spend threshold jumped from Rs35,000/quarter to Rs1,00,000/quarter effective April 2025 — a major tightening
poor effective redemption ratio (~4:1, weaker than headline value)
no dining/movie lifestyle benefits (unusual gap for this tier)

What's inside

More benefits

Golf privileges
₹1,500
4 green fee waivers per year + 1 complimentary golf lesson annually at select courses
Cap ₹6,000 / yearly. Advance booking required
Movie ticket discount
₹250
25% off BookMyShow movie tickets, capped Rs250/month
Cap ₹3,000 / monthly. None specified

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-60; high income indicative (premium tier); can also be secured via NRE/NRO FD of Rs10L+

Small print

Fuel surcharge:1% waiver, Rs400-5,000 range, capped Rs500/month