Yes Bank
WorldElite · Reserv
Yes Reserv Credit Card
Yes Bank
Premium Mastercard World Elite with unlimited lounge and 10 RP per ₹200
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
1.0%
Forex Markup
2%
Value Analysis
Annual Net Value
₹84,100
Total Annual Benefits
₹90,000
Total Annual Charges
₹5,900
ROI
1425%
Fee Waiver Available
Annual fee waived on spending ₹15 Lakh in the preceding year — ₹15,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits per year
- • At all Dreamfolks and Mastercard partner domestic lounges
Unlimited visits
₹50,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass and LoungeKey
- • Priority Pass and Mastercard LoungeKey membership included
Unlimited visits
₹50,000/yr
Reward Points (1)
Reward Points on All Spends
10 Reward Points per ₹200 spent on all retail purchases
10 RP per ₹200
Concierge Services (1)
24/7 Premium Concierge
Dedicated premium concierge for travel, dining, and lifestyle needs
Included
Golf Privileges (1)
Complimentary Golf
Complimentary golf rounds at premium courses worldwide
- • At select premium golf courses in India and abroad
Complimentary rounds
₹25,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
- • Valid on transactions ₹500–₹5,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
YES Prosperity Rewards
10 RP per ₹200
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via YES Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.20)
Milestone Bonuses
50,000 bonus reward points on spending ₹20 Lakh annually
Spend ₹20,00,000 annually
50,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹3,00,000
- Min. Annual Income
- ₹36,00,000
- Min. Credit Score
- 780
- Age Range
- 25 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹3 Lakh
- • Self-Employed: ITR > ₹36 Lakh p.a.
- • Age 25–65 years
- • Excellent credit history required
- • May be offered by invitation to existing premium customers
Invitation only
Insurance Coverage
Accidental Death
₹2.0 Cr
Permanent Disability
₹2.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹20.0 L
Report within 24h
Air Accident Cover
₹2.0 Cr
Purchase Protection
₹10.0 L
120 days
- • Air accident cover: ₹2 Crore
- • Travel insurance: ₹50 Lakh
- • Purchase protection: ₹10 Lakh for 120 days
- • Lost card liability: ₹20 Lakh
- • Emergency overseas hospitalization covered
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
999 visits/year
Unlimited
~₹3,500/visit
Dreamfolks Priority Pass Mastercard LoungeKey
- • Domestic: Unlimited complimentary visits at all partner lounges
- • International: Unlimited via Priority Pass and Mastercard LoungeKey
- • Guest access available at applicable charges
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Priority Pass unlimited membership Mastercard LoungeKey Complimentary golf worldwide 24/7 premium concierge Low forex markup at 2%
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.2%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
0.5%
Ready to Apply?
The Yes Reserv Credit Card is an ultra-premium Mastercard World Elite offering 10 reward points per ₹200 on all spends, unlimited domestic and interna...
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