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YES Bank BYOC Credit Card

YES Bank Build Your Own Card (BYOC) credit card is a customizable credit card. YES Bank BYOC credit card gives you option to choose between Reward Points or Cashback as the type of rewards you want. Further, you can choose the card design and variant and customize as per your liking. And then there are additional monthly subscription plans that offer additional benefits. But be aware, all of the benefits come at a cost too steep to justify. Read how in this review of YES Bank BYOC credit card.

YES Bank BYOC Credit Card

YES Bank BYOC Credit Card Overview

Card CategoryRewards, Cashback
Joining FeeRs 49/Rs 99* per month (depending on customization, see below)
Annual FeeRs 588/Rs 1,188* per year (depending on customization, see below)
Welcome OfferAmazon voucher worth Rs 500 on spending Rs 1,000 within first 30 days
Best Features– 1% flat cashback Or 8X reward points for every Rs 200 spent
– 15-25% discount on dining
– 1 complimentary domestic lounge access per quarter

Details from YES Bank

  • SPECIAL OFFER for applying online- get a free Amazon voucher worth Rs 500 on spending Rs 1,000 within first 30 days.
  • Experience the power of personalisation with BYOC – the Credit Card crafted for you, by you. Earn cashback or reward points, pick card material as per your choice, customize your card image and customize merchant offers as per your needs.
  • One-time fee chargeable in the first statement. Regular card at no additional cost, eco-friendly card fee is Rs 249 + taxes, and metal card fee is Rs 3,499 + taxes.
  • Choose monthly subscription plans as per your needs from Silver (Rs 99 + GST), Gold (Rs 149 + GST) or Platinum (Rs249 + GST). Change plans monthly and earn 10% cashback on every amount spent on these merchants, up to Rs 100 per merchant per cycle.
  • 3.80% per month (45.60% annually) on Revolving Credit, Cash Advances and Overdue Amount
  • Stay protected against card loss, theft, any related fraud and emergencies with YES Bank BYOC Card protection plan. The primary cardmember also get a credit shield cover of Rs 2.5 lakh.
  • Terms and conditions apply.

Fees and Charges

One-time Card Fee

Regular- Nil, Eco-friendly card- Rs 249, Metal Card- Rs 3,499. Image Fee – Rs 149 wherever applicable.

Monthly Plan Fee

Rs 49+ Taxes for Reward card, Rs 99 + Taxes for Cashback Card

Monthly Subscription Fee

Silver Plan- Rs 99, Gold Plan- Rs 149, Platinum Plan- Rs 249

Finance Charges

3.80% p.m. (45.60% annualized)

Foreign Transaction Fee

3.50% of the transaction value.

Cash Advance Fee

2.5% of transaction value or Rs 300 (whichever is higher)

Reward Redemption Fee

Rs 100 per request.

Late Payment Fee

Less than Rs 100 – Nil
Rs 101-Rs 500 – Rs 100
Rs 501-Rs 5,000- Rs 500
Rs 5,001-Rs 20,000- Rs 750
Over Rs 20,000- Rs 1,000.

Over Limit Penalty

2.5% of the overlimit amount or Rs 750 (whichever is higher)

Rent Transaction Fee

Minimum 1% of the transaction value.

Add-on Card fee


Note: GST as applicable on fees and charges. See full details here at YES Bank’s website.

YES Bank Build Your Own Card (BYOC): How Does it Work?

When you start to apply to get BYOC card, here is how you can customize it.

Pick Your Perk- Rewards Or Cashback

The first step in customization, you get two options to choose from; Cashback card or Reward card.

  • Rewards: You get 8 reward points for every Rs 200 spent that can be redeemed against flights & hotels, gift vouchers and YES Bank’s reward catalog. The value of 1 reward point differs from 10 paisa to 25 paisa, depending on the category you’re redeeming in. And there’s a redemption fee of Rs 100 per request.
  • Cashback: You get a flat 1% cashback on all spends except on fuel, Cash & EMIs.

Fees and conditions

  • Reward card fee: Reward card comes with a core monthly charge of Rs 49 (Rs 588 per year) + taxes.
  • Cashback card fee: cashback card comes with a fee of Rs 99 per month (Rs 1,188 per year).
  • This fee does not include the monthly subscription plan charges as we’ll explain below.
  • No reward points or cashback earned on fuel, cash withdrawals, EMI and fee payments.

Rewards Redemption:

  • The YES Rewards Points can be redeemed for purchases against various products and vouchers for flights & hotels, gifts, Air Miles (Club Vistara & InterMiles) and rewards catalog.
  • The value of 1 reward point differs for each category. For example, the value of 1 reward point to redeem against flights & hotels is Rs 0.25 (25 paisa) whereas it’s 10 paisa for gift vouchers. For Air Miles, 10 reward points are worth 1 Mile.
  • Check YES Bank Rewards portal for the rewards value and catalog.

Pick Your Card Variant and Design

There are 3 options:

  1. Regular card – free
  2. Eco-friendly card for a one-time fee of Rs 249
  3. Metal card for a one-time fee of Rs 3,499.

Once you have selected the variant, you can then personalize the card with an image of your choice from the ones available.

Pick a Monthly Subscription Plan, Or Not

On top of the core Reward/Cashback perk option that comes with its own fee and rewards, you are given an option to choose a monthly subscription as shown below. These subscription plans come with a number of merchants that will give you flat 10% cashback on transactions with them, terms & conditions applied as usual.

Subscription PlanMonthly Subscription ChargesNumber of Merchants
SilverRs 99 2 out of 5
GoldRs 1493 out of 5
PlatinumRs 2495 out of 5

As you can see above, in Silver plan you can pick any 2 merchants out of the 5 available (see below). In gold, you get 3 merchants and in Platinum, you get all 5.

List of merchants and offers

  • Uber– 10% cashback up to Rs 100 per month
  • Swiggy– 10% cashback up to Rs 100 per month
  • BookMyShow– 10% cashback up to Rs 100 per month
  • BigBasket– 10% cashback up to Rs 100 per month
  • PharmEasy– 10% cashback up to Rs 100 per month

Are these subscription plans worth it?

The subscription charges come down to approx. Rs 50 per merchant per month and cashback from each merchant can only be a maximum of Rs 100 per month. So considering you spend Rs 1,000 on any one merchant in a month, you get Rs 100 cashback, the maximum cashback you can get from one merchant. Factor in the Rs 50 fee per merchant, you are only saving Rs 50 or 5%.

If you spend Rs 1,000 on each merchant each month, Rs 5,000 in total, you get a total cashback of Rs 500 but pay a monthly subscription fee of Rs 249. That leaves you with a total of Rs 250 in cashback.

If you do not select any monthly subscription, you are not charged any fee and get no 10% cashback offers.

Decision is yours to make keeping in mind your spends and needs but it’s not recommended as the fees are too high and benefits are too limited. And it’ll be very complicated to spend evenly across selected merchants to avail the equivalent cashback.

YES Bank BYOC Credit Card: Other Features & Benefits

Airport Lounge Access

The primary cardmember gets 1 complimentary domestic airport lounge access per quarter.

Golf Benefits

  • 4 green fee waiver per year
  • 1 golf lesson per year at select golf courses in India.

Fuel Surcharge Waiver

The BYOC credit card gives you 1% fuel surcharge waiver at all fuel pumps across India for transactions between Rs 400 to Rs 5,000, up to maximum Rs 250 per statement cycle.

Insurance Coverage

The primary cardmember gets a credit shield cover of Rs 2.5 lakh in case of accidental death.

Dining Offers

Get a minimum discount of 15% on select partner restaurants when you pay using your YES Bank BYOC card. The discounts can go up to 25% on select restaurants.

Should You Get YES Bank BYOC Credit Card?

It might look like a lucrative offering on the surface- that you get to select what you want, but reality is different. There are different fee and charges at every step of the customization that do not offer the corresponding benefits.

Even if you don’t select the monthly subscription plan for additional 10% cashbacks from selected 5 merchants and pay no additional fee, you’re still paying Rs 1,188 + taxes in a year if you just selected the cashback card from ‘Cashback or Reward’ choice that gives you 1% cashback on everything. The reward card is barely worthy of its Rs 588 annual fee with 8X rewards that are hard to redeem against something worthwhile save flights/hotels/Airmiles.

There are better cards to pay such annual fee for and the rewards/cashback system will most likely be better than YES Bank.

YES Bank itself has far better offerings that BYOC credit card that carry the similar fee structure. Here are some:

  • YES Select credit card: Entry-level card with Rs 399 joining & annual fees, 2-8X reward points with lounge access and insurance coverage.
  • YES Ace credit card: Entry-level card with Rs 399 joining & annual fees, and 2-8X rewards.
  • YES Elite credit card: Premium level card (one step down from Reserv) with Rs 999 joining & annual fees, 4-12X rewards and lounge access.
  • YES Reserv credit card: Premium level card (formerly First Exclusive) with Rs 1,999 joining/annual fee, 24X accelerated rewards, 12 domestic & 6 international lounge visits per year, insurance and more.

How to Apply For YES BYOC Credit Card?

You can apply online through the official website of YES Bank. That way, you get a free Amazon voucher worth Rs 500 if you spend Rs 1,000 within the first 30 days of card issuance.


  • Between 21 and 60 years of age
  • Salaried or self employed
  • Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above

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