YES Bank Reserv Credit Card — Rewards, Fees & Value
YES Bank · visa · premium
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Transfer partners
Points can transfer to: air india flying returns.
Key benefits
- 24 pts/₹200 on online spends (~3%)
- 12 pts/₹200 on other eligible spends (~1.5%)
- 6 pts/₹200 on utilities, insurance, education (~0.75%)
- Transfer to Air India at 15:1
- Unlimited international lounge access
- Unlimited domestic lounge access (spend ₹7,500/quarter)
Calculate your exact points value, or let the Card Finder check whether the Reserv belongs in your stack.
FAQs
The YES Bank Reserv Credit Card earns up to 6% effective value on online shopping and 3% on dining & food delivery. Its base rate is about 3%.
The Reserv has an annual fee of ₹2,499, waived on annual spends of ₹3,00,000 or more.
On the Reserv, one point is worth up to about ₹0.25 via its best redemption, or around ₹0.15 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with YES Bank.