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Credit Cards · India

YES Bank BYOC (Build Your Own Card) Credit Card

Updated 5 Jul 2026Source-linked

The YES Bank BYOC (Build Your Own Card) Credit Card is a mid credit card from YES Bank, with a joining fee of ₹249 + GST.

It earns up to 10% on chosen merchants spends in the form of cashback.

Cardholders get 4 annual domestic airport lounge access.

YES Bank logo
YES Bank BYOC (Build Your Own Card) Credit Card
Mastercard logo
  • Joining Fee₹249
  • Annual Fee₹249
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 10% on chosen merchants (cap 1000 cashback inr / statement)
  • Base 1.00% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
YES Bank logoYESMastercard logoplatinummid
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Rewards and Benefits

Rewards Rate
10% on chosen merchants (cap 1000 cashback inr / statement)
Base 1.00% on other spends.
Reward Redemption
BYOC Rewards: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • ET Prime membership — Complimentary ET Prime membership on 1st card anniversary (perk-dependent).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo
  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,271/yr

₹5,520 rewards − ₹249 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • mid card issued by YES Bank.
  • Joining / annual fee of ₹249 + GST.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (4/annual).
  • Accelerated earn worth ≈10.0% on chosen merchants.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 10% on chosen merchants (cap 1000 cashback inr / statement)
    10% chosen merchants: Rs100/merchant AND Rs1,000/cycle overall cap.
Capping rules
  • 10% cashback on chosen merchants subject to monthly caps

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
4 visit(s) / annual. Via mastercard, dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Other benefits

  • ET Prime membership. Complimentary ET Prime membership on 1st card anniversary (perk-dependent).

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹7,50,000 p.a.
Tagsmidcashbackcustomizablelounge