Verified — 16/16 categories
YES Bank
YES BANK RESERV Credit Card
Best forFood Delivery & Shopping
Earns12 RP/₹100 on food delivery
1st Year / Joining Fee
₹2,499 + taxes
Renewal Fee
₹2,499 + taxes
Fee waiver
₹3,00,000
annual spend
Network
Not recorded
YES Bank
YES BANK RESERV Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on food delivery and shopping, where it earns 12 RP/₹100
- Annual fee is waived at ₹3,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Food Delivery12 RP/₹100
Shopping12 RP/₹100
Travel12 RP/₹100
Groceries6 RP/₹100
Dining6 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on select categories (0.75% value)Details
|
| Insurance | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on select categories (0.75% value)Details
|
| Utilities | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on select categories (0.75% value)Details
|
| Fuel | No reward | — | —Details
|
| Groceries | 6 RP/₹100 | — | 12 Reward Points per ₹200 spent offline (1.50% value)Details
|
| Dining | 6 RP/₹100 | — | 12 Reward Points per ₹200 spent offline (1.50% value)Details
|
| Food Delivery | 12 RP/₹100 | 36,000 RP per month | 24 Reward Points per ₹200 spent online (3.00% value)Details
|
| Shopping | 12 RP/₹100 | 36,000 RP per month | 24 Reward Points per ₹200 spent online (3.00% value)Details
|
| Travel | 12 RP/₹100 | 36,000 RP per month | 24 Reward Points per ₹200 spent online (3.00% value)Details
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | Not a good fit | — | Passenger Railways (MCC 4112) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| FASTag | Not a good fit | — | Toll and bridge fees (MCC 4784) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| Jewellery | Not a good fit | — | Jewellery purchases (MCC 5094, 5944) strictly excluded from reward points accrual per YES Bank regulatory circular effDetails
|
| Telecom | 3 RP/₹100 | — | 6 Reward Points per ₹200 spent on select category Telecom (0.75% value at ₹0.25/pt) per YES-SRC-002Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹2,499 + taxes
Renewal Fee
₹2,499 + taxes
Fee waiver
₹3,00,000
annual spend
Reward caps
- Shopping — 36,000 RP / month (per category — Shopping)
Key benefits
Rewards
12 RP/₹100 on food delivery
Lounge access
3 domestic lounge/qtr, 6 intl lounge/yr
Foreign-currency markup
1.75% forex
Fee waiver
Annual fee waived on ₹3,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Shopping rewards are capped at 36,000 RP / month (per category — Shopping)
- No reward on: Rent, Fuel, Government, Wallet
- Not recommended for: Railways, FASTag, Jewellery
Who should consider this card
✓ Good fit if
- Your spending is concentrated in food delivery, shopping, travel
- You can reach the ₹3,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 7 no-reward categories
Caps
- Shopping — 36,000 RP / month (per category — Shopping)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- Railways — Not a good fit. Passenger Railways (MCC 4112) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
- FASTag — Not a good fit. Toll and bridge fees (MCC 4784) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
- Jewellery — Not a good fit. Jewellery purchases (MCC 5094, 5944) strictly excluded from reward points accrual per YES Bank regulatory circular eff.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to YES Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: 3 domestic lounge/qtr, 6 intl lounge/yr
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: 1.75% forex
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-27
Documents used
YES BANK RESERV Credit Card Product Page & Schedule · YES-SRC-002 · 2026-09-27