RESERV
Base Rate
1.5%
Forex Markup
1.75%
Joining Fee
₹2,499
Milestones
2
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹4,974
After ₹2,499 annual fee deduction
Base Rewards
₹2,475
Forex Net
+₹0
Milestones
₹4,998
Milestone Progress
Joining fee of ₹2,499 waived on spending ₹40,000 within the first 30 days
Spend ₹40K annually
Renewal fee of ₹2,499 waived on spending ₹3L in an anniversary year
Spend ₹3L annually
📝 Detailed Review
The CardVault Verdict
The YES BANK RESERV Credit Card is a competitive premium credit card offering highly solid reward rates (up to 3%) on travel and dining. The card also features a preferential 1.75% forex markup and complimentary golf rounds. However, the high domestic lounge spend requirement of ₹1L/quarter is a notable restriction.
Who Should Apply?
Apply if you spend heavily on travel and dining, can meet the ₹3L fee waiver threshold, and want a low-forex card.
Lounge Access
Spend-Based Access
Spend ₹1,00,000/quarter to unlock
Required threshold to activate lounge visits
Visits / Year
18visits
Supported Networks
Additional Notes
3 domestic visits per calendar quarter (spend-based: min ₹1L in previous quarter) + 6 complimentary international lounge visits per year.
🔄 Transfer Partners
Club Vistara
airline
InterMiles
airline
⚖️ Pros & Cons
✓Pros
- •Highly competitive reward rates of 3.0% on travel and dining spends
- •Preferential low forex markup fee of 1.75% + GST
- •Fee waiver (₹3L spend) and joining fee waiver (₹40k spend) are easily reachable
- •Includes complimentary golf rounds and lessons
✗Cons
- •Domestic lounge access is spend-gated at a high ₹1,00,000 per calendar quarter
- •Priority Pass is no longer issued; international lounge access is via credit card itself
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.