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YES BANK BYOC Credit Card
Mastercard
YES BANK BYOC Credit Card
YES Bank's build-your-own card, priced as a monthly subscription instead of an annual fee. You pick the card material, a perk (1% unlimited cashback at ₹99/month or reward points at ₹49/month) and, optionally, a merchant plan with 10% cashback at Swiggy, Uber, BigBasket and others. Fee and perks can change month to month, but the fees add up: the cashback perk alone costs ₹1,188 + GST a year.
Annual fee
₹1,188
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Reward redemption: Cashback perk: credited to the card account. Rewards perk: redeem on YES Rewardz for flights, hotels, movies and a product catalogue
- Domestic lounge access: 1 complimentary domestic airport lounge visit per calendar quarter for the primary cardholder, after ₹50,000 spend in the previous quarter
- Golf: Mastercard golf: 4 complimentary green-fee rounds per calendar year plus 1 complimentary golf lesson per month at select courses in India
Benefits by category
- ✈️ Travel
1 domestic lounge visit per quarter after ₹50,000 spend in the previous quarter
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹3,000 transactions, max ₹125 per cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.99% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, max ₹125 per statement cycle
- Cash advance charges: 2.5% of the amount or ₹650, whichever is higher (from 15 June 2026), plus interest from the date of withdrawal
Benefits
- Build-your-own perk: unlimited 1% cashback (₹99/month; max ₹1,000 cashback per cycle; none on utility, wallet, fuel or EMI) or 8 reward points per ₹200 (₹49/month)
- Optional monthly merchant plan (Silver ₹99 / Gold ₹149 / Platinum ₹249) giving 10% cashback at chosen merchants among Swiggy, Uber, PharmEasy, BigBasket and BookMyShow, max ₹100 per merchant per cycle; can be changed every month
- Choose regular plastic (no one-time fee, custom image), eco-friendly (₹249 one-time) or metal (₹3,499 one-time)
- 1 domestic lounge visit per quarter after ₹50,000 spend in the previous quarter
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions, max ₹125 per cycle
Pros
- + Flat 1% cashback on most retail spends with the cashback perk
- + Perks and merchant plans can be changed every month
- + Option of a metal or eco-friendly card
Cons
- − Monthly fees with no spend-based waiver: ₹1,188 + GST a year for the cashback perk, more with a merchant plan
- − Cashback capped at ₹1,000 per cycle; 3.5% forex markup
- − Lounge visit needs ₹50,000 spend in the previous quarter