YES BANK • Up to 3% back on online spends with lounge access and a 1.75% forex markup
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Reserv sits one step below Marquee in the YES BANK line up and is the more practical of the two for most high spenders. Online spends earn 24 points per Rs 200, which works out to about 3% when points are used for flights and hotels, and the card still covers the travel basics with domestic and international lounge visits and a 1.75% forex markup. The fee is Rs 2,499 plus GST, reversed in the first year if you spend Rs 40,000 in 30 days and waived every year at Rs 3 lakh of spends. Optional paid subscription plans can multiply points further, but do the maths before subscribing, because the plan fee only makes sense at high monthly spends.
Joining and annual fee Rs 2,499 plus GST each (YES BANK Credit Card MITC, October 2026 version). Joining fee waiver needs Rs 40,000 spends within one month of card setup; annual fee waiver needs Rs 3,00,000 in the year before the anniversary date. Fuel surcharge waiver is 1% on transactions between Rs 400 and Rs 5,000. Rent, wallet loads, fuel and UPI spends do not earn reward points. Golf benefits include 4 green fee waivers and 1 lesson per year.
Last verified against MITC: 21 October 2026
Joining and annual fees are Rs 2,499 plus GST each. The joining fee is reversed on Rs 40,000 spends in the first 30 days and the annual fee is waived on Rs 3,00,000 spends in a year, as per the YES BANK MITC.
You get 3 domestic lounge visits per quarter, subject to YES BANK's spend linked lounge terms, and 6 international lounge visits per year.
The card charges a preferential forex markup of 1.75% plus GST on international transactions.
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