YES Bank Reserv Credit Card
YES Bank · Visa
Why this card?
- Earns reward points — the issuer does not clearly publish their rupee value
- ₹2,499 joining and annual fee; renewal fee waived on ₹3 lakh yearly spend
- 12 domestic and 6 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- YES Bank
- Network
- Visa
- Annual Fee
- ₹2,499
- Joining Fee
- ₹2,499
- Reward Type
- points
- Best Reward Rate
- 12% on weekend dining (12 YES reward points per ₹200)
- Forex Markup
- 2%
- Domestic Lounge
- 12/yr
- Min. Monthly Income
- ₹2,00,000
- Rates verified
- 2026-10-06
Our verdict
YES Bank Reserv (earlier known as YES First Exclusive) is YES Bank's premium lifestyle card, with 12 domestic and 6 international lounge visits a year and a 2% forex markup. At ₹2,499 joining and annual fee, waived at ₹3 lakh of annual spend, it is far easier to justify than a ₹10,000-plus super-premium card, though the income requirement is high.
Pros
- 12 domestic lounge visits (3 per quarter) and 6 international visits a year
- 2% forex markup — reasonable for the premium tier
- 12 YES reward points per ₹200 on weekend dining
- Fuel surcharge waiver included
Cons
- ₹2,499 joining and annual fee, with the waiver needing ₹3 lakh of annual spend
- YES Bank perceived as weaker than HDFC/Axis in service quality
- Points ecosystem less valuable than HDFC SmartBuy or Axis eDGE, and utility points are capped each cycle
- Income eligibility is very restrictive