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The YES RESERV Credit Card is a premium, top-of-the-line credit card offered by YES Bank. It is designed to secure your spends and make every transaction rewarding. If you love shopping, the YES RESERV Credit Card offers a host of rewards, discounts, and benefits that are exclusive to the holders. 

Features and Benefits

Low-Interest Rates

At just 1.99% a month (23.88% a year), the interest rate on the YES RESERV Credit Card is extremely competitive

Contactless Card

This card can supercharge your purchases with its built-in NFC chip technology that can eliminate the hassle of swiping and entering PINs

Instant EMI Conversion

The Instant EMI feature on this YES Bank credit card allows you to swiftly convert your purchases into EMIs

Complimentary Golf Program

This credit card can offer you access to 4 complimentary golf rounds in a year and a free golf lesson per month

Airport Lounge Access

The <a href="https://www.bajajfinservmarkets.in/credit-card/visa-credit-card.html" target="_blank">Visa credit card</a> offers you unlimited visits to airport lounges per year at a small fee and the Mastercard credit card can offer you the Priority Pass Membership at a nominal annual fee

Fuel Surcharge Waiver

Get a waiver of up to 1% across all fuel stations in India for fuel transactions between ₹400 to ₹5,000

Discounts on Movie Tickets

You can use the YES RESERV card on either the BookMyShow website or mobile application to book movie tickets and get a discount of up to 25%

Eligibility Criteria and Documents Required


Want to know if you’d be eligible to get a YES RESERV card? Let’s take a look at the YES Bank credit card eligibility criteria for this card.

  • Minimal Age: 21 years

  • Maximum Age: 60 years

  • Minimum Annual Income (Salaried Individuals): ₹4 Lakhs

  • Minimum Annual Income (Self-employed Individuals): ₹36 Lakhs


Documents Required:

If the aforementioned credit card eligibility criteria are met, the applicant needs to submit the following documents:

  • Form 60 or a photocopy of your PAN card

  • Colour photograph

  • Any proof of income such as the payslip, a copy of your IT return, or Form 16

  • Proof of residence and identity

How to Apply for a YES RESERV Credit Card

You can apply for this credit card on YES Bank’s website since this card is not available on Bajaj Markets. However, if you’d like to explore other credit card options, you may choose to browse alternatives here. You can also initiate the application offline by visiting their branch as well. All you must do is carry relevant credit card documents and fill out the form at the branch.

Fees and Charges

FIRST Year Membership Fee 

 ₹1,999 + GST

(waived on spends of ₹40,000 within first 90 days)

Renewal Membership Fee

₹1,999 + GST

(Waived for the subsequent year on spends exceeding ₹3 Lakhs in an annual year)

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details.

Customer Care Details

The YES RESERV credit card customer care can be reached at the toll-free number 1800-103-6000. International clients can contact customer care at +91 22-4935-0000. You can also write to YES Bank credit card customer care at yesfirstcc@yesbank.in.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

Is the YES RESERV Credit Card good?

The features and benefits of the credit card are plenty and bestow a lot of exclusive privileges to the holder. That’s not all. The YES FIRST Exclusive rewards programme is also unmatched. Hence, applying for a YES RESERV credit card is a good option.

What is the benefit of YES RESERV credit card?

There are several benefits offered on this card. Some of them are listed below:

  • Complimentary domestic and international lounge access

  • Complimentary golf programme

  • Life insurance coverage of up to ₹3 crores

  • Medical insurance cover of up to ₹50 lakhs

  • Low foreign currency markup

  • 1% fuel surcharge waiver

Is the YES FIRST Exclusive credit card free?

Unfortunately, no. The YES RESERV credit card has an initial annual membership fee of ₹1,999 plus taxes. For every subsequent renewal, a fee of ₹999 plus taxes will be charged. That said, if you spend more than ₹3 Lakhs or more in a year, the renewal fee for the next year shall be waived.

What is the Limit on YES RESERV Credit Card?

The limit on YES RESERV cards varies from one cardholder to another. It is decided at the time of issuing the card by the bank depending on the applicant's income, age, and other eligibility criteria.

What are the interest rates on YES RESERV Credit Card?

The YES FIRST Exclusive card (YES RESERV Credit Card) comes with an interest rate of 1.99% per month (23.88% annually).

How do I earn reward points with this card?

You earn points on every eligible purchase, which can be redeemed for travel, merchandise, statement credits, and more.

Do I need a high credit score to be eligible?

Generally, a good credit score is required to qualify for this card. The eligible credit score is decided at the discretion of the bank on a case-to-case basis.

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