Our Money Guide

By: OurMoneyGuide || Last updated on: April 19, 2024

Pros and Cons of Yes Bank RESERV Credit Card


  • 3% on online spending, 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 spending || 1.50% benefit on offline spending

Chance to earn higher rewards through 2 subscription plans (3X & 5X subscription plans)

Complimentary visits to airport lounges in India – 3 per quarter

Complimentary visits to international airport lounges – 6 per year

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

Complimentary insurance benefits

Fuel surcharge waiver

Minimum 15% discount at select restaurants (Dining Fiesta Program)

Yes Bank customer care number

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