cards / credit / yes bank / yes-reserv-credit-card
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§ BENEFITS
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits per year
Unlimited visits
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass and LoungeKey
Unlimited visits
Reward Points on All Spends
10 Reward Points per ₹200 spent on all retail purchases
10 RP per ₹200
24/7 Premium Concierge
Dedicated premium concierge for travel, dining, and lifestyle needs
Included
Complimentary Golf
Complimentary golf rounds at premium courses worldwide
Complimentary rounds
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹36,00,000
- Min monthly salary
- ₹3,00,000
- Age
- 25 – 65
- Min credit score
- 780
- Existing account?
- Not required
- Invitation only?
- Yes
§ FEES
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹500
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹2,00,00,000
- Permanent disability
- ₹2,00,00,000
- Air accident
- ₹2,00,00,000
- Travel insurance
- ₹50,00,000
- Baggage
- ₹1,00,000
- Lost-card liability
- ₹20,00,000
- Purchase protection
- ₹10,00,000
† within 24 h of loss
† 120 days
§ REWARDS
- Programme
- YES Prosperity Rewards
- Earn rate
- 10 RP per ₹200
- Point value
- ₹0.2
- Effective cashback
- 1.00%
- Min redemption
- 100 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Yes Bank and earns no commission on applications.