YES FIRST Exclusive Credit Card Review (now YES RESERV)
The YES FIRST Exclusive — now rebranded YES RESERV — is a super-premium card with strong online rewards, generous lounge access and a low forex markup. Here is the verified review.
- 4X on online spends; rewards even on insurance/utilities
- Low 1.75% forex markup
- Up to 6 international + 12 domestic lounge visits/year
- Fee waived on ₹3 lakh annual spend
- Earns on usually-excluded categories
- High income bar (₹2 lakh/month salaried)
- 2X offline base is moderate
- Reward value depends on redemption
- Now branded YES RESERV (name change)
- Reward caps may apply
Fees & rewards
| Item | Detail |
|---|---|
| Fee | ₹2,499 + GST (joining waived ₹40k/30 days; annual waived ₹3L/year) |
| Online | 4X rewards |
| Offline | 2X rewards |
| Select categories | 6 RP per ₹200 (incl. insurance/utilities) |
| Forex markup | 1.75% |
| Lounge | Up to 6 international + 12 domestic/year |
Eligibility & documents
Income
₹2 lakh/month (salaried)
Forex
1.75% markup
Network
Visa
Current name
YES RESERV
Best for
High-income online spenders/travellers
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: higher-income online spenders and travellers who want lounges + low forex.
- Skip if: you don’t meet the income bar or want a low-fee everyday card.
How to apply & how to cancel
Apply: via yes.bank.in (now the YES RESERV card). Cancel: call YES Bank after clearing dues; redeem points first.
Final verdict
The YES FIRST Exclusive (now YES RESERV) is a capable super-premium card — 4X online, low 1.75% forex and generous lounges, with the fee easily waived at ₹3 lakh spend. It suits higher-income online spenders and travellers; just note the rebrand to YES RESERV.
Frequently asked questions
Is this the same as YES RESERV?
Yes — the YES FIRST Exclusive has been rebranded as the YES RESERV Credit Card.
How rewarding is it?
4X on online, 2X on offline, and 6 reward points per ₹200 on select categories including insurance and utilities.
What’s the forex markup?
A low 1.75%.
How much lounge access?
Up to 6 international and 12 domestic lounge visits a year.
Data current as of June 2026, cross-checked against YES Bank and aggregators. Now branded YES RESERV — confirm current terms on yes.bank.in before applying.