Yes Bank Reserv Credit Card: Benefits and Apply

Yes Bank Reserv Credit Card Benefits and Apply

In today’s time, the use of credit cards has not only become a symbol of financial freedom but has also become a part of a comfortable lifestyle. In this direction, Yes Bank has introduced the “Yes Bank Reserv Credit Card” for its special and premium customers. Yes Bank Reserv Credit Card is for those individuals who want luxury, facilities in their lifestyle. 

Yes Bank Reserv Credit Card has been designed keeping in mind those customers who often travel internationally, make more money purchases, and like to complete their financial transactions with better services.

Apart from this, the cardholder also gets the benefit of lounge access at international and domestic airports and special travel insurance. The main objective of Yes Bank Reserv Credit Card is to make the everyday life of customers easier. The most special thing about Yes Bank Reserv Credit Card is that it not only provides you with better financial facilities but also helps in making your personal and professional life easier.

In today’s article, we will learn in detail about the Yes Bank Reserv Credit Card and tell you what are the benefits of Yes Bank Reserv Credit Card and how to apply for it. So stay till the end of this article so that you do not face any problems later.

What is the Yes Bank Reserv Credit Card?

Yes Bank Reserv Credit Card is a premium, exclusive credit card designed especially for high net-worth individuals (HNIs). Yes Bank Reserv Credit Card targets customers who love to enjoy luxury, exclusive services, and premium experiences. Yes Bank Reserv Credit Card takes your financial needs as well as your lifestyle to the next level.

Under Credit Card, customers not only get great rewards and cashback offers but also get better facilities during international travel, such as airport lounge access, travel insurance, concierge services, and more. Yes Bank Reserv Credit Card is for those who travel frequently, make big purchases, and want more convenience in their everyday transactions.

How is the design of the Yes Bank Reserv Credit Card?

The design of the Yes Bank Reserv Credit Card is sleek and premium, reflecting its exclusive features and benefits. It is mostly dark in color with a smooth finish, which makes it very attractive and easy to carry.

This design for the card goes beyond aesthetic appeal and provides useful elements like an EMV chip, offering higher security levels. The design of the Yes Bank Reserv Credit Card is an integration into their high-class users’ lifestyle; style and functionality blend in together.

What are the benefits of the Yes Bank Reserv Credit Card?

Some of the salient features of this scheme include:

  • Reward Points: Collect attractive reward points with every expenditure. Normally, on specific categories, you earn a maximum of 6 reward points on every spend of ₹100 that can be utilized for all choices such as travel, shopping, or even gift vouchers.
  • Free Lounge Access in both Domestic as well as International Airports. Get free lounge access in domestic and international airport lounge areas enjoying lavish comfort along with it.
  • 24/7 concierge services to make travel arrangements, plan events, make dining reservations, and many more.
  • Hotel Privileges- Room upgrades in luxury hotels along with complimentary breakfast and late checkout options.
  • Complimentary Golf Lessons and Privileges at all the golf courses across India.
  • Insurance Coverage: Avail of travel insurance, liability for lost card, and personal accident cover.
  • Fuel Surcharge Waiver: Get a waiver on fuel surcharge on transactions at petrol stations across India.
  • Milestone Benefits: Bonus reward points or vouchers based on certain spending milestones achieved in the year.

What are the fees for the Yes Bank Reserv Credit Card?

Here is a simple breakup of the  Yes Bank Reserv Credit Card fees.

Joining Fee₹1,999 + GST (one-time fee when you get the card).
Annual Fee₹1,999 = GST per year. This will be waived if you spend ₹5,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.99% per month (48% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank Reserv Credit Card?

The following are the primary requirements:

  1. To apply for the  Yes Bank Reserv Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for Yes Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
  1. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Yes Bank Reserv Credit Card?

The documents that you will have to submit to get a Yes Bank Reserv Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the Yes Bank Reserv Credit Card be used?

Here is the list of places where you can use it:

  • With Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your  Yes Bank Reserv Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

What is the credit limit of the Yes Bank Reserv Credit Card?

The credit amount you can spend is what you are provided with Credit Card.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

How do you apply for a Yes Bank Reserv Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the Yes Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the  Yes Bank Reserv Credit Card.
  • Just hover your cursor on the  Yes Bank Reserv Credit Card, followed by selecting ‘Apply Now’ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • Request for the credit card application form of the  Yes Bank Reserv Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the  Yes Bank Reserv Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Yes Bank Card website, or mobile app or by calling their customer service.
  • You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Yes Bank Reserv Credit Card in 2025 be right?

Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Yes Bank Reserve Credit Card is a special package of premium services and exclusive offers designed keeping in mind the needs of high-net-worth individuals. Credit Card is ideal for those who not only want to meet their financial needs but also want to enjoy premium amenities like travel, dining, and golf.

The benefits of reward points, lounge access, and travel insurance make it even more valuable. Through Yes Bank Reserve Credit Card, customers can enhance their lifestyle as well as make financial transactions convenient.

Frequently Asked Questions (FAQ’s)

Que: What is a Yes Bank Reserve Credit Card?

Ans: Yes Bank Reserve Credit Card is a high-end credit card for high net-worth customers and also provides some exclusive benefits on travel, dining, and golf.

Que: What are the key benefits of Yes Bank Reserve Credit Card?

Ans: It provides premium lounge access, reward points, access to golf courses, fuel surcharge waivers, and travel insurance.

Que: How can I apply for a Yes Bank Reserve Credit Card?

Ans: You can apply online on the Yes Bank website or fill out the application form by visiting the nearest branch.

Que: What are the eligibility criteria to get a Yes Bank Reserve Credit Card?

Ans: You should be between 21 and 65 years of age, your monthly income should be Rs 2 lakh or more, and you should have a good CIBIL score.

Que: What are the fees for a Yes Bank Reserve Credit Card?

Ans: The joining and annual fee of Yes Bank Reserve Credit Card is ₹1,999 + GST. The renewal fee is also ₹1,999 + GST.

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