Our Money Guide

Pros and Cons of Yes Bank RESERV Credit Card


  • 3% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
  • Complimentary lounge access both in India and abroad
  • Complimentary golf rounds


  • Lower rewards and benefits, especially on offline spends

Features & Benefits of Yes Bank RESERV Credit Card

3% benefit on online shopping || 1.50% benefit on offline shopping

You get 12 rewards points (Yes Rewardz Points) worth ₹3, on every ₹100 you spend on online shopping. You get 6 rewards points (Yes Rewardz Points) worth ₹1.50, on every ₹100 you spend on offline shopping.

1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more.

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 shopping.

– 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.

Complimentary visits to airport lounges in India – 3 per quarter

You get free visits to domestic airport lounges, 12 times per year (maximum 3 times per quarter).

Complimentary visits to international airport lounges – 6 per year

You get free visits to international airport lounges, 6 times per year.

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

You get 4 free golf rounds per year (maximum 1 per month). You also get 1 free golf lesson per month.

Complimentary insurance benefits

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

Fuel surcharge waiver

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000.

This benefit is applicable at all fuel pumps across India.

Yes Bank customer care number

You can contact AU Bank 24/7, please click here for details – Yes Bank Customer Care Numbers & Other Contact Details

Yes Bank RESERV Credit Card Fees & Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹1999Welcome 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₹1999Renewal 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.

Eligibility criteria

Minimum agePrimary card member: 20 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirements₹2 lakh per month (salaried) || ₹18 lakhs per year (self-employed)
Credit scoreGood credit score, preferably above 750
LocationOnly available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi & NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Pune, Thane and Navi Mumbai

Documents required

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.

How do I apply for the Yes Bank RESERV Credit Card?

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 processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.

How do I track my application status?

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.

Apply Now

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