YES Bank RESERV Credit Card: The Best Travel & Lifestyle Credit Card in India

Introduction

In a dynamic world, credit cards are not just a payment instrument but a goldmine for rewards, cash-back and other value-added services that enhance the lifestyle of the user. The YES Bank RESERV Credit Card is one of the most premium cards offered by YES Bank in an already crowded premium credit card market. An exclusive credit card designed for high-net-worth individuals and luxury lovers, the YES Bank RESERV Credit Card comes with a wide range of benefits, right from rewarding points to travel to exclusive privileges.

Complete Overview

In this comprehensive review, we’ll tell you everything you need to know about the YES Bank RESERV Credit Card – right from the features and benefits to how it stacks up against competitive premium cards. If you are a frequent traveller, shopaholic or enjoy the luxury of lifestyle benefits, then Yes Bank RESERV Credit Card is the one you should be carrying for your remarkable financial journey.

Review Summary of YES Bank RESERV Credit Card

The YES Bank RESERV Credit Card is the most premium card offered by YES Bank, and is meant for those who have a taste for luxury – who run towards rewards and exclusive experiences. This card offers so many advantages, from lounge access, travel goodies, golf and a great points offering. It’s for people that want to optimize their lifestyle and take advantage of the many perks that come with premium credit cards.

YES Bank RESERV Credit Card Features

Fee and Charges

• Joining Fee: ₹2,499 plus GST
  
  
• Renewal Fee: ₹2,499 plus GST (waived on ₹3,00,000 annual spend)
  
  

Reward Points Structure

• 24 Reward Points per ₹200 on online purchases
  
  
• 12 Reward Points for every ₹200 spent on offline spends
  
  
• 6 Reward Points on every ₹200 spent on insurance, education, utilities, etc.
  
  

Redemption

The rewards points accumulated can be redeemed for various products – from air tickets, hotels bookings to exclusive offers. You can also use the reward points on YES Rewardz portal, where you can book movie tickets, buy the merchandise and so forth.

Free Renewal Fee

If you can spend ₹3L or more in a membership year, your joining fee will be waived off – making sure you enjoy the features of this card for free!

Lifestyle Privileges

YES Bank RESERV Credit Card provides numerous lifestyle advantages such as free domestic/international lounge access, golf benefits, and dining at some of the finest restaurants in the city.

YES Bank RESERV Credit Card Benefits

Reward Points System

YES Bank RESERV Credit Card Reward Points One of the key attractions of YES Bank RESERV Credit Card is the excellent reward points program. With 24 Reward Points on each ₹200 spent online and 12 Reward Points for offline spends, it’s an easy slog and a perfect card for those who shop a lot.

On certain spend categories such as insurance, utilities and education, the card provides 6 Reward Points per ₹200 spent. This means you can accrue points even on such otherwise ignored categories as utility or insurance payments.

Travel Perks: Lounge Access and Golf Gifts

• Free Lounge Access: Avail up to 12 complimentary access to domestic lounges every year (up to 3 per quarter) on spending ₹1,00,000 or more in a quarter
  
  
• International lounge access: Up to 6 visits per year
  
  
• Golf Benefits: 4 complimentary rounds of golf + 1 complimentary golf lesson per year
  
  

Insurance Coverage

• Air Accident Cover: Upto ₹3 crore
  
  
• Medical Emergency Cover: Up to ₹50 lakhs for hospitalization abroad
  
  
• Credit Shield: Outstanding dues covered up to ₹10 lakh in case of accidental death
  
  

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000 at all petrol stations in India. Waiver can be up to ₹250 per statement cycle.

Dinner and Gift Exchange in Style

• Dining Privilege: Access to discounts at finest restaurants all over UAE
  
  
• Shopping Privileges: Reward points on shopping and access to brand/store discounts
  
  

Comparison to Other Premium Cards like YES Bank RESERV Credit Card

As compared to other premium credit cards available in the market, the YES Bank RESERV Credit Card encompasses a holistic package of benefits for all possible lifestyle needs.

YES Bank RESERV vs HDFC Infinia Credit Card

Final Thoughts: Is the YES Bank RESERV Credit Card the Right Card for You?

The YES Bank RESERV Credit Card is a great pick for those looking for lifestyle benefits, generous reward rates and premium travel benefits. With multiple reward points program, complimentary access to lounges, golf privileges and broad range of insurance covers, Complimentary Groceries Enjoy waiver of 2.5% on fuel surcharge, Appropriate for those who are used to luxury and convenience.

That said, prospective applicants need to keep in mind the annual fee and make sure their spending lines up with the card’s rewards. If your lifestyle involves frequent travel restaurants dining out, and online shopping, then the YES Bank RESERV Credit Card is perfect to complement and enrich your life with some amazing rewards and benefits.

If you’re interested in a premium credit card that comes with great rewards, world-class travel benefits and much more, the YES Bank RESERV Credit Card is one to look out for.