YES BANK RESERV Credit Card: rewards, caps and exclusions
The YES BANK RESERV Credit Card pays about 0.6% on Bills (in store / online), on the first ₹25,000 of spend a cycle, and 2.4% on everything else. Below is every rate, cap and exclusion in YES Bank's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Money transfers
- Rent
- Wallet loads
- Fuel
- Government payments
- Cash withdrawals and fees
- EMI conversions
- Insurance premiums (since 15 June 2026)
- Education fees (since 15 June 2026)
- Railway bookings (since 15 June 2026)
- Tolls (since 15 June 2026)
What costs extra
Worse than earning nothing: YES Bank charges a fee for these.
- 1% on Rental transaction charges, plus GST
Fees
- Annual fee: ₹2,499, plus 18% GST
- Joining fee: ₹2,499
- Annual fee waived on ₹3,00,000 of spend in a card year
Where this comes from
Transcribed from YES Bank's own documents and checked against them on 9 October 2026:
- yes.bank.in
- yes.bank.in
- RESERV fees block, yes.bank.in
- RESERV eligibility block, yes.bank.in
- RESERV notice, yes.bank.in (PDF)
- all-card MITC CMITC_V18_05102026, yes.bank.in (PDF)
- RESERV value chart, yes.bank.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with YES Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
Zenidhi reads your YES Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works