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YES BANK RESERV Credit Card

This premium credit card is ideal for users who shop frequently online and travel often. It offers generous reward points on digital purchases, multiple complimentary airport lounge visits each year, and a relatively low foreign currency markup, making it a practical choice for both lifestyle and travel-focused spending.

YES BANK RESERV Credit Card

About YES Reserv Credit Card

This premium credit card is built to deliver balanced benefits across shopping and travel. It provides enhanced reward earnings on online transactions and also allows users to earn points on categories that are usually excluded, such as insurance payments and utility bills, making it suitable for customers with higher spending patterns. Travel-friendly features like airport lounge access and a reduced foreign currency conversion charge add further value, especially for those who travel frequently.

On the other hand, the card focuses more on rewards and travel benefits and offers limited lifestyle privileges related to entertainment or dining, which may be available on similar cards in the same segment. Overall, it is well-suited for users who prioritise rewards and travel savings over leisure-based offers.

Rewards Structure

Reward Earnings

  • Earn a higher number of reward points on online purchases for every specified amount spent.
  • Receive standard reward points on in-store transactions.
  • Selected categories earn a lower but eligible reward rate.
  • The total reward points that can be earned in a single billing cycle are subject to a predefined maximum limit.

Optional Reward Boost Plans

  • In addition to the standard rewards programme, cardholders can opt for paid reward enhancement plans that increase point earnings on eligible transactions.
    • Plan A (₹3,500): Provides double rewards on online purchases and higher multipliers on offline and selected spends.
    • Plan B (₹5,000): Offers enhanced reward multipliers on both online and offline transactions, allowing users to earn significantly more points.

Other Features & Benefits

Travel Privileges

  • Complimentary access to domestic airport lounges multiple times each quarter.
  • A fixed number of free international lounge visits every year.
  • Reduced foreign currency conversion charges on overseas transactions.

Golf Privileges

  • Access to select golf facilities across India with complimentary green fee benefits each year.
  • One free golf coaching session annually at participating courses.

Additional Benefits

  • Bonus reward points credited on card renewal.
  • Fuel surcharge reversal on eligible fuel transactions, subject to a monthly cap.

YES BANK RESERV Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

YES Reserv: Fees & Charges

Particulars Fees / Charges
Joining Fee Rs. 2499 + Taxes (waived off on spending Rs. 40,000 or more in the first 30 days)
Annual Fee Rs. 2499 + Taxes (waived off on spending Rs. 3 Lakh or more in the preceding year)
Finance Charges 3.99% per month (47.88% per annum)
Late Payment Charges
On outstanding balance of:
Up to Rs. 500 Nil
Above Rs. 500 Rs. 1,350 or 10% of total outstanding amount, whichever is lower

Things to Consider Before Applying

This card may suit you if:

  • Most of your purchases are made online and you want stronger reward returns on digital spending.
  • You are comfortable meeting an annual spending threshold to qualify for a fee waiver.
  • You want to earn reward points on categories such as utilities, insurance, education, and telecom, which are often excluded on other cards.
  • You travel multiple times a year and value complimentary airport lounge access.

Eligibility Requirements

  • Age: Applicants must be between 21 and 60 years.
  • Employment Type: Open to both salaried professionals and self-employed individuals.
  • Income Criteria:
    • Salaried applicants should meet a high monthly income requirement.
    • Self-employed applicants must have a sufficiently high annual income as reflected in their tax returns.

Steps to Close YES BANK RESERV Credit Card

If you wish to cancel your YES BANK RESERV Credit Card, it’s important to follow the correct process and keep the required details ready. This helps ensure a smooth and hassle-free closure experience.

Information Required for Closure

Before initiating the request, make sure you have the following details available:

  • Last 4 digits of your credit card number

  • Date of birth

  • Registered mobile number

Ways to Close YES BANK RESERV Credit Card

You can choose any of the following methods to submit your credit card closure request:

Net Banking:- Log in to your YES Bank net banking account (YES Online) and raise a request for credit card closure.

Mobile Banking App:- Use the YES BANK mobile banking application (IRIS App) to initiate the cancellation request conveniently.

Phone Banking:- Contact customer care and request closure of your credit card:

Email Request:- Send an email from your registered email ID to:
📧 creditcard.closure@yesbank.in
Include your basic details such as name, last four digits of the card, and reason for closure.

YES BANK RESERV Credit Card Helpline Number

You can contact YES Bank customer support for assistance related to your RESERV Credit Card, including billing, payments, reward points, card blocking, and closure requests.

General Customer Care (India)

🕘 Timings: 8:00 AM to 8:00 PM
(Only critical services are available after 8 PM)

Credit Card Support

Email Support

Credit Card Closure / Cancellation

Mis-selling / Complaint Support

📧 ccsalescomplaints@yes.bank.in
📞 022-68937300 (8:00 AM to 8:00 PM)

International Customer Support

📞 +91 22 5079 5101 (General & Credit Card support)

Country-Specific Numbers:

📧 nri@yes.bank.in (For NRI customers)

Grievance Redressal

Level 2 – Head Grievance Redressal
📧 head.grievanceredressal@yes.bank.in
📞 +91 22 5079 5173
🕘 9:30 AM – 6:00 PM (Except 2nd & 4th Saturdays, Sundays & holidays)

Level 3 – Principal Nodal Officer
📧 principal.nodalofficer@yes.bank.in
📞 +91 22 5079 5174
🕘 9:30 AM – 6:00 PM (Except 2nd & 4th Saturdays, Sundays & holidays)

FAQs

How does the Preferred card compare with the Reserv card?

Both cards cater to different spending styles. One focuses on uniform rewards across most categories, while the other delivers higher value on online purchases. Although both provide travel and golf privileges, they vary in fees, eligibility norms, and reward limits. The better choice depends on individual spending habits.

The assigned credit limit is determined after evaluation of factors such as income level, credit history, existing credit exposure, and internal assessment criteria. The final limit is shared only after approval.

Apart from regular reward earnings, cardholders can opt for paid plans that multiply reward points on eligible spends. These plans offer different reward multipliers and are priced based on the selected option and card type.

Yes, the yearly fee can be waived if a specified spending threshold is met in the previous year. If the condition is not fulfilled, the fee applies, along with bonus reward points as a renewal benefit.

No, there are no additional bonus rewards linked to specific spending milestones on this card.

This card offers a balanced mix of rewards and travel privileges. It provides higher rewards on online transactions, standard rewards on offline purchases, and eligible rewards on select categories, along with travel-friendly benefits.

International spends attract a reduced foreign currency conversion charge, making the card suitable for overseas usage.

The card carries a joining and yearly fee, both of which can be waived by meeting predefined spending conditions within a specified period.