YES Reserve Credit Card 2025
Save up to ₹3,00,000+ every year with unlimited lounge, ₹20K Taj vouchers, 24 golf & lowest forex!
If you want the absolute best luxury lifestyle card under ₹10K fee, the YES Reserve Credit Card is currently unbeatable in India!
You get unlimited lounge access worldwide (self + 1 guest), ₹20,000 Taj vouchers every year, 24 complimentary golf rounds, lowest 1.99% forex markup, Taj Epicure Plus membership, metal card, concierge, and ₹10,000 annual fee completely offset by benefits.
Reward points = Real Value – 1:1 transfer to 15+ airlines/hotels!
Why This Is The Best Luxury Card Under ₹10K in 2025?
Unlimited lounge self+guest • ₹20K Taj vouchers • 24 golf rounds • 1.99% forex • Taj Epicure Plus • Metal card
Best for: Luxury travellers, golfers, Taj lovers, international spenders
Current Offer – ₹20,000 Taj Vouchers + Unlimited Lounge + Golf
Card At a Glance
₹10,000 + GST
₹10,000 + GST
Up to 6X Points
Unlimited (Self + Guest)
24 rounds/year
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹10,000 + GST |
| Annual Fee | ₹10,000 + GST |
| Welcome Benefit | ₹10,000 Taj voucher + Taj Epicure Plus |
| Renewal Benefit | ₹10,000 Taj voucher |
| Foreign Currency Markup | 1.99% + GST (Lowest!) |
| Interest Rate | 3.5% per month |
Detailed Reward Rates (2025)
- 6X Reward Points on travel & dining
- 3X Reward Points on all other spends
- 1:1 transfer to Air India, Vistara, Etihad, Qatar, Singapore, Accor, ITC, Taj etc.
- Unlimited lounge access worldwide (self + 1 guest)
- 24 complimentary golf rounds/lessons per year
Airport Lounge Access
Unlimited lounge access worldwide for cardholder + 1 guest via Priority Pass
Insurance & Protection Benefits
- ₹5 Crore air accident cover
- ₹50 Lakh overseas medical cover
- Purchase protection & concierge
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounge self + guest | ₹10,000 annual fee |
| ₹20,000 Taj vouchers yearly | Acceptance lower than Visa/Mastercard |
| 24 golf rounds | |
| 1.99% forex markup | |
| Taj Epicure Plus membership |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹25 Lakh+ p.a.
- Credit Score: 780+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit YES Bank → Credit Cards → Reserve
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you want unlimited lounge + golf + Taj benefits at ₹10K fee, YES Reserve delivers ₹3 Lakh+ value every year — still the best luxury lifestyle card under ₹10K in India. Absolute no-brainer for high spenders!
Frequently Asked Questions (FAQs)
Really unlimited lounge?
Yes, unlimited worldwide for you + 1 guest.
Taj vouchers every year?
Yes, ₹10,000 on joining + ₹10,000 on renewal = ₹20,000 yearly.
Golf rounds?
24 complimentary golf rounds or lessons per year.
Forex rate?
Lowest 1.99% markup.