YES Bank BYOC Credit Card – Features, Benefits, Fees & Charges

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

13 Feb 26
4 mins

Shreyansh Singh

08 Mins
13-02-26

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Table of Contents

Customising Your YES Bank BYOC Credit Card
YES Bank BYOC Credit Card Benefits
BYOC YES Bank Credit Card Charges
YES Bank BYOC Credit Card Eligibility

Key Takeaways

Fully customisable credit card with design and reward choice.
Choose 1% cashback or 8 Rewardz Points per ₹200.
Earn 10% cashback on selected merchants per plan.
Free Amazon voucher worth ₹500 on ₹1,000 spend.
Complimentary lounge access and ET Prime membership.

YES Bank Build Your Own (BYOC) Credit Card brings full control to your wallet. It is a highly customisable credit card that allows you to tailor both its physical appearance and its reward structure to match your lifestyle.

You choose the card design, rewards, cashback options, and preferred merchants. The YES Bank BYOC Credit Card fits daily spending across shopping, dining, and travel.

New users also receive a free Amazon voucher worth ₹500 on spending ₹1,000 within the first 30 days. Let us explore more about how this card truly reflects your choices.

Customising Your YES Bank BYOC Credit Card

BYOC lets you design a card that matches your needs and spending habits.

Choose Your Card Style

Select card material from plastic, eco-friendly, or metal.
Pick a card image from the preloaded image gallery.

Select Your Reward Preference

Choose 1% cashback on all transactions.
Or earn 8 YES Rewardz Points for every ₹200 spent.

Build Your Merchant Plan

Pick merchants where you want higher cashback.
Change merchant plans every month based on needs.
Earn 10% cashback under selected plans.

Plan Options

Silver plan at ₹99 + GST.
Gold plan at ₹149 + GST.
Platinum plan at ₹249 + GST.

Cashback capped at ₹100 per merchant per statement cycle. Eligible brands include BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket. You can redeem reward points through the YES Rewardz catalogue.

YES Bank BYOC Credit Card Benefits

The YES Bank BYOC Credit Card combines lifestyle access and protection benefits.

Lifestyle and Travel Benefits

Complimentary ET Prime membership on first anniversary.
1 free domestic airport lounge visit per quarter for the primary cardmember.
1% fuel surcharge waiver applies on spends between ₹400- ₹5,000.

Security and Protection

Contactless payments with NFC technology.
Secure online transactions via Mastercard SecureCode.
Credit shield insurance covers of ₹2.5 lakh for accidental death.

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BYOC YES Bank Credit Card Charges

Membership Fees	Regular Card	Eco-Friendly Card	Metal Card
One-Time Card Fee	NIL	₹249	₹3499
Monthly Fee (Cashback)	₹99	₹99	₹99
Monthly Fee (Reward)	₹49	₹49	₹49
Re-Issuance	₹100	₹349	₹3599

Other Important Charges of YES BYOC Credit Card

Parameters	Charges
Interest Charges	3.99% (monthly); 47.88% (per annum)
Cash Advance Fee	2.5% or ₹500 (whichever is higher)
Late Payment Charges:₹500Above ₹500	Nil10% or ₹1,350 (whichever is lower)
Cheque Dishonour Fee	₹450

YES Bank BYOC Credit Card Eligibility

Applicants must fall between 21 and 60 years of age. Both salaried and self-employed individuals can apply. A minimum monthly income of ₹25,000 or an ITR of ₹7.5 lakhs is required.

Existing YES Bank credit cardholders do not qualify for this card. Mastercard or Visa holders may request a virtual RuPay variant, which will be subject to eligibility. There is no eligibility threshold to use the Pice App. All you need is a phone!

💡Download the Pice App TODAY to manage your BYOC Credit Card with ease. Set Payment reminders, pay your credit card bills and track payment status on the go.

Footnotes:

Cashback for BYOC Cashback Cards caps at ₹1,000 per statement cycle.
Utility spends on BYOC Rewards Cards earn points up to 600 per statement cycle.
Fuel surcharge waiver caps at ₹125 per statement cycle. Only the surcharge waives; GST applies.

FAQs

Can I change the card image after issue?

The front image selection locks at the time of card issuance. Once issued, the image cannot be modified.

Can I switch my BYOC subscription plan later?

You can change the plan anytime. The updated plan applies from the next statement cycle with charges aligned to that cycle.

How to book YES Bank BYOC Credit Card lounge access?

Visit the Lounge One booking page. Select airport and lounge, sign in, choose your card, enter your guest details, and scan the QR code at entry

What is the YES Bank BYOC Credit Card limit?

YES Bank sets the credit and cash limits at its discretion. Add-on cards share the primary limit. Available limits are conveyed during card delivery and also appear on monthly statements.