{"id":84742,"date":"2026-01-22T16:29:41","date_gmt":"2026-01-22T10:59:41","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84742"},"modified":"2026-01-22T16:30:44","modified_gmt":"2026-01-22T11:00:44","slug":"yes-bank-reserv-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/yes-bank-reserv-credit-card\/","title":{"rendered":"Unlock Your Spending Power with The YES BANK Reserv Credit Card"},"content":{"rendered":"\n<p>Are you someone who enjoys premium experiences and expects strong rewards on every spend? Then, the YES BANK Reserv credit card is exactly designed for you. From accelerated reward points up to 5X to luxury perks like golf and lounge access, this card delivers value with every swipe!&nbsp;<\/p>\n\n\n\n<p>Let us explore what makes this card truly rewarding for high spenders and frequent travellers.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#how-to-earn-reward-points-on-every-swipe-of-yes-bank-reserv-credit-card\">How to Earn Reward Points on Every Swipe of YES BANK Reserv Credit Card?<\/a><\/li><li><a href=\"#what-are-the-yes-bank-reserv-credit-card-reward-subscription-plans\">What are the YES BANK Reserv Credit Card Reward Subscription Plans?<\/a><\/li><li><a href=\"#important-points-to-know-about-subscription-rewards\">Important Points to Know About Subscription Rewards<\/a><\/li><li><a href=\"#earn-bonus-reward-points-on-renewal\">Earn Bonus Reward Points on Renewal\u00a0<\/a><\/li><li><a href=\"#top-5-yes-bank-reserv-credit-card-features\">Top 5 YES BANK Reserv Credit Card Features\u00a0<\/a><\/li><li><a href=\"#yes-bank-reserv-credit-card-charges\">YES BANK Reserv Credit Card Charges<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-earn-reward-points-on-every-swipe-of-yes-bank-reserv-credit-card\"><strong>How to Earn Reward Points on Every Swipe of YES BANK Reserv Credit Card?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Reserv-reward-points.jpeg\" alt=\"YES BANK Reserv Credit Card reward points\" class=\"wp-image-84744\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Reserv-reward-points.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Reserv-reward-points-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Reserv-reward-points-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Yes-Bank-Reserv-reward-points-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The YES BANK Reserv credit card rewards you generously across different spending categories. Here is how it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cardholders can earn 24 YES Rewardz Points for every \u20b9200 spent on online shopping, excluding selected categories.&nbsp;<\/li>\n\n\n\n<li>For offline purchases, you can earn 12 YES Rewardz Points for every \u20b9200 spent. This applies to dining, shopping, and daily lifestyle expenses.<\/li>\n\n\n\n<li>On other retail spends, you can earn 6 YES Rewardz Points for every \u20b9200 spent.<\/li>\n<\/ul>\n\n\n\n<p><strong>Points to Note<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reward Points are not earned on rent payments, wallet loads, fuel, UPI transactions, government spends, advertising-related transactions, cash withdrawals, or EMI conversions.&nbsp;&nbsp;<\/li>\n\n\n\n<li>There is also a monthly cap of 36,000 Reward Points per statement cycle.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-yes-bank-reserv-credit-card-reward-subscription-plans\"><strong>What are the YES BANK Reserv Credit Card Reward Subscription Plans?<\/strong><\/h2>\n\n\n\n<p>The YES BANK Reserv Credit Card features a unique &#8220;Accelerated Rewards&#8221; model through two distinct subscription plans. These plans help you earn up to 3X or 5X Reward Points, depending on how and where you spend. Take a look at the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Subscription Plan<\/strong><\/td><td><strong>Applicable Transactions<\/strong><\/td><td><strong>Plan Fee<\/strong><\/td><td><strong>Reward Points Details<\/strong><\/td><\/tr><tr><td><strong>Plan 1<\/strong><\/td><td>All categories except exclusions<\/td><td>\u20b93,500<\/td><td>For online spends, you earn 2 times of the regular Reward Points.&nbsp;For offline purchases, you earn 3 times the standard points.&nbsp;Other retail spends earn 3 times the base Reward Points.&nbsp;<\/td><\/tr><tr><td><strong>Plan 2<\/strong><\/td><td>Dining, travel, fashion, and healthcare<\/td><td>\u20b95,000<\/td><td>For online spends in these categories, you earn 3 times the regular Reward Points.For offline spends, rewards increase to 5 times the standard points.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note<\/strong>: Purchased subscription plans are valid for a year. After a year, you have to renew the plan for persistent earning.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"important-points-to-know-about-subscription-rewards\"><strong>Important Points to Know About Subscription Rewards<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Additional Reward Points earned through the 3X or 5X plans are calculated monthly.&nbsp;<\/li>\n\n\n\n<li>These bonus points are credited on the 10th of the following month. For example, extra points earned on spends made in July will reflect in the statement generated after 10th August.&nbsp;<\/li>\n\n\n\n<li>The monthly cap for additional Reward Points is 75,000 per customer. If the total transactions exceed this limit, the rest of the purchases become ineligible for earning Reward Points for that month.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"earn-bonus-reward-points-on-renewal\"><strong>Earn Bonus Reward Points on Renewal&nbsp;<\/strong><\/h2>\n\n\n\n<p>From the second year onwards, you can earn 8000 bonus YES Rewardz Points when your renewal fee is charged.&nbsp;<\/p>\n\n\n\n<p>This benefit offsets the annual fee and ensures continued value. It rewards loyal cardholders who use the card actively year after year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"top-5-yes-bank-reserv-credit-card-features\"><strong>Top 5 YES BANK Reserv Credit Card Features&nbsp;<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Complimentary Golf Program<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>Enjoy exclusive access to a premium golf program with the YES BANK Reserv credit card. You get 4 green fee waivers per year and one complimentary golf lesson annually at select golf courses across India. Your access to a golf course depends on your card variant. To find your nearest golf course, click <a href=\"https:\/\/www.yes.bank.in\/pdf?name=ybl_yes_bank_terms_n_conditions_yes_bank_credit_cards.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>.&nbsp;<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>BookMyShow Discount<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Movie lovers can enjoy a 25% discount on tickets booked through BookMyShow using the card. The discount is capped at \u20b9250 per calendar month. Once the monthly limit is reached, no further discounts apply for that month.&nbsp;<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Lounge Access<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Travel becomes more comfortable with YES BANK Reserv credit card lounge access. You get 6 complimentary international lounge visits per year, shared between primary and add-on cardholders. Additionally, you receive 3 complimentary domestic lounge visits per quarter within India if you spend \u20b9100,000 in the previous quarter.&nbsp;<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Purchase Protection Plan:&nbsp;<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The YES BANK Reserv credit card offers added security for your online purchases. Cardholders receive insurance coverage of up to \u20b950,000 against accidental damage. This protection is valid for 6 months on mobiles and electronic items purchased online.&nbsp;<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders can also save on fuel expenses with a 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000 at petrol pumps across India.&nbsp;&nbsp;<\/p>\n\n\n\n<p>However, all your credit card privileges can vanish if you miss a monthly payment. A missed due date not only affects your credit score; it can also lower your Reserve card limit and increase your interest rate.<\/p>\n\n\n\n<p><strong>YES BANK Reserv Credit Card Eligibility&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicants must be between 21 and 60 years of age<\/li>\n\n\n\n<li>Open to salaried and self-employed individuals<\/li>\n\n\n\n<li>Minimum income requirement:\n<ul class=\"wp-block-list\">\n<li>Net monthly salary of \u20b9200,000 or<\/li>\n\n\n\n<li>Income Tax Return of \u20b918,00,000 or more<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Existing YES BANK credit card holders are not eligible<\/li>\n\n\n\n<li>RuPay variant is available as a Virtual RuPay Card for existing Mastercard or Visa cardholders<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-reserv-credit-card-charges\"><strong>YES BANK Reserv Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fee Type<\/strong><\/td><td><strong>Fee Amount + Applicable Taxes<\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>\u20b92499 (waived if you spend \u20b940,000 on retail purchases within a month of card setup)<\/td><\/tr><tr><td>Renewal Fee<\/td><td>\u20b92499 (waived after annual spending reaches \u20b93,00,000 or more)<\/td><\/tr><tr><td>Interest Rate on Overdue Amount<\/td><td>2.99% per month (35.88% annually)&nbsp;<\/td><\/tr><tr><td>Rental Transaction Fee<\/td><td>1% or \u20b91 (whichever is higher) on up to \u20b910001% or \u20b9199 (whichever is higher) on the above \u20b91000<\/td><\/tr><tr><td>Wallet Transaction Fee<\/td><td>1% or \u20b91 (whichever is higher)<\/td><\/tr><tr><td>Utility Charges&nbsp;<\/td><td>1% on all utility expenses exceeding \u20b915,000 per month. A maximum \u20b93000 fee will be charged per month.<\/td><\/tr><tr><td>Education Payment Fee<\/td><td>1% on all education payments via third-party apps or websites. Maximum \u20b95000 fee will be charged per month.<\/td><\/tr><tr><td>Fuel Transaction Charges<\/td><td>1% of all fuel spent above \u20b910,000. Maximum \u20b95000 fee will be charged per month.<\/td><\/tr><tr><td>Transaction Charges on Tolls and Bridges<\/td><td>1% of all fuel spent above \u20b910,000. Maximum \u20b95000 fee will be charged per month.<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>\u20b90 &#8211; \u20b9500: NIL&nbsp;\u20b9501 and above: 10% of statement balance or \u20b91350 (whichever is less)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1The<a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"> Pice app<\/a> lets you set reminders, track all your due dates, and stay completely in control, so you never miss a payment again.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Designed for affluent spenders and frequent travellers, the YES Bank Reserv Credit Card combines accelerated rewards, luxury privileges, and flexible subscriptions. With high earning potential, golf and lounge access, and renewal bonuses, it delivers consistent premium value, provided you manage payments responsibly and maximise spends across eligible categories for long-term gains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1769061742415\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who should apply for the YES Bank Reserv Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>High-income individuals and frequent travellers seeking premium rewards should consider the Yes Bank Reserv credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769061754619\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many reward points can I earn monthly?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn up to 36,000 base points plus 75,000 bonus points monthly on the Yes Bank Reserv credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769061770285\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are subscription plans mandatory?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, but subscription plans significantly boost rewards on the Yes Bank Reserv credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769061783527\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are reward points earned on rent or wallet spends?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, such transactions are excluded from rewards on the Yes Bank Reserv credit card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Are you someone who enjoys premium experiences and expects strong rewards on every spend? Then, the YES BANK Reserv credit card is exactly designed for you. From accelerated reward points up to 5X to luxury perks like golf and lounge access, this card delivers value with every swipe!&nbsp; Let us explore what makes this card [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":84743,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84742"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84742\/revisions"}],"predecessor-version":[{"id":84817,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84742\/revisions\/84817"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84743"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}