Mastercard
Yes BankYES Bank RESERV Credit Card
Joining₹2.5K
Annual₹2.5K/yr
Reward24 YES Rewardz Points per ₹200 on online shopping, 12 per ₹200 on offline shopping and 6 per ₹200 on select categories.
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Entry-LevelEntryMastercardVisa
YES Bank EMI Credit Card
Automatic EMI conversion with cashback on the rest
Annual fee₹499
Rewards1%Cashback
Forex markup3.5%3.50% on foreign currency conversion
Secure · Free · No spam calls
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Rewards
Base earn rate
1% cashback, up to ₹500 a month, on transactions that are not converted into EMIs.
- • Redemption fee: ₹100
Fees & charges
- Joining fee
- ₹499 plus applicable taxes for cards onboarded on or after 28 August 2024
- Annual / renewal fee
- ₹499 plus applicable taxes for cards onboarded on or after 28 August 2024. Cards onboarded between 1 July 2022 and 28 August 2024 carry ₹749 plus taxes, and older cards keep the fee applicable when they were issued.
- Interest rate
- 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
- Interest-free period
- 50 days
- Cash advance fee
- 2.5% of the amount withdrawn or ₹500, whichever is higher
- Overlimit fee
- Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
- Payment dishonour
- ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
- Forex markup
- 3.50% on foreign currency conversion
- DCC markup
- 1%
- Reward redemption
- ₹100 per redemption
- Fuel surcharge
- 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
- Duplicate card
- ₹100
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹500 | ₹0 |
| Above ₹501 | Above ₹500 — 10% of the statement balance, capped at ₹1,350 |
Eligibility
- Income (salaried)
- Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above
- Income (self-employed)
- ₹7.5L/year
Employment types
SalariedSelf-Employed
Features
✓ Contactless✓ Chip & PIN✓ International usage
Additional features
- Automatic conversion of transactions above a pre-set value into EMIs
- EMI interest of 18% a year with a 1% processing fee on the converted amount
- Cashback on transactions left outside EMI conversion
- Fuel surcharge waiver on transactions between ₹400 and ₹5,000
FAQs
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