RESERV Credit Card
UnknownKey benefits listed on official card page: https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards
Welcome Benefit
10,000 reward points on joining fee payment.
Estimated value: ₹7,999.2
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹9,999 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: Yes Rewardz (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Spends | 2X reward points |
| Dining | 4X reward points on dining |
| International Spends | 8X reward points on international spends |
| Travel Bookings | 15X reward points on travel |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 36 months
Milestone Benefits
Earn 5,000 bonus reward points + 1 complimentary domestic flight ticket on crossing ₹4 lakh annual spend.
Value: ₹8,000
Milestone tracked from card anniversary date.
Lounge Access
Unlimited domestic lounge access.
10 international lounge visits per year via Priority Pass.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero Liabilitypurchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
Forex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Eligibility criteria as per official page: https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards
Editor Rating
Pros
- + Comprehensive premium benefits
- + Strong reward rate for high spends
- + Airport lounge and concierge access
Cons
- – High annual fee requires consistent high spend to justify
- – Some benefits require prior booking
The RESERV Credit Card is a premium credit card from Yes Bank with a balanced rewards programme. At ₹9,999/year, the card is best suited for high spenders who can leverage its premium benefits.