YES BANK RESERV Credit Card
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Mid-premium card with a below-average 1.75% forex markup and 6 international lounge visits a year without a spend condition.
- Welcome offer
- None
- Annual fee
- ₹2,949 a year incl. GST (₹2,499 + GST; joining fee waived at ₹40,000 spend in first month, renewal waived at ₹3 lakh annual spend)
- Rewards rate
- 24 reward points per ₹200 online, 12 per ₹200 offline (about ₹0.25 a point on flights/hotels)
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Forex markup
- 1.75% + GST (2% on dynamic currency conversion)
- Airport lounges
- Priority Pass / international programme; YES domestic programme. 6 international a year; 3 domestic a quarter if ₹1 lakh spent in previous quarter. Paid.
- Points go to
- YES Rewardz. YES BANK reward points redeemed on the YES Rewardz portal (reported ~₹0.25 a point on flights/hotels, ₹0.15 on vouchers; ₹100 fee per redemption from 15 Jun 2026); airline transfers reportedly limited to Air India post-Vistara merger (unverified).
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