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Yes Reserv Credit Card

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Annual Fee

₹25,000

Reward Type

Points

Forex

1.5%

Lounge

12 dom · 6 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹25,000
Annual Fee₹25,000
Min Monthly Income₹3,00,000

Rewards

Reward TypePoints
Base Rate6%
Point Value₹0.5/point

Category Multipliers

travel12%dining12%international12%

Redemption Values

airlines₹0.5/pt
hotel transfer₹0.5/pt
statement credit₹0.25/pt
gift vouchers₹0.5/pt

Milestones

Spend ₹10L in a yearAnnual fee waiver (₹25,000) + bonus points (annually)
Spend ₹3L in a quarterQuarterly bonus reward points (quarterly)

Travel & Global

Forex Markup1.5%
Domestic Lounge12 visits/yr
Intl. Lounge6 visits/yr
Lounge NetworkPriority Pass, DreamFolks

Similar Cards

SC Priority Visa Infinite Credit Card (99%) →Amex Platinum Charge (98%) →Amex Platinum Travel (98%) →Axis Bank Burgundy Private (98%) →Axis Bank Magnus Credit Card (98%) →

⚖️ Breakeven Analysis

To recover the ₹25,000 annual fee at the base reward rate of 6%, you need to spend ₹4,16,667 annually.

🎯 Pro Tips

  • ▸Unlimited domestic DreamFolks + Priority Pass international lounge access worldwide.
  • ▸6 RP per ₹100 — among the highest base earn rates in India.
  • ▸Dedicated relationship manager + 24/7 lifestyle concierge.
  • ▸Travel insurance: ₹2.5 crore air accident, ₹25L overseas medical.
  • ▸Complimentary golf rounds at 30+ premium courses.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹20,000

Effective Rate

1.7%

Ranked #26 of 173 cards⭐ Top 30

₹25,000 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Ultra-HNI Spender (₹5L+/mo)

Monthly: ₹5,00,000 · Annual: ₹60,00,000

2.8%
Effective Return
travel: ₹2,00,000/mointernational: ₹1,50,000/molifestyle: ₹1,00,000/moother: ₹50,000/mo
Annual Rewards Value₹1,50,000
After Fee (₹25,000)+₹1,25,000

Unlimited lounges, private concierge, and 6 RP/₹100. At ₹0.50/pt redemption.

🔄 Redemption Pathways - Value per Point

MethodValue
Exclusive Travel DeskBEST₹0.50/pt

🏷️ Best For

premiumtravelinternational