YES Bank BYOC (Build Your Own Card) Credit Card
Updated 3 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 BYOC (Build Your Own Card) Credit Card
- Joining Fee₹249
- Annual Fee₹249
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 10% on chosen merchants
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
YESplatinummidRewards and Benefits
Rewards Rate
10% on chosen merchants
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).
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.
Accelerated rewards
- 10% on chosen merchants10% cashback on self-selected merchants (customizable BYOC perk); user chooses cashback or reward points.
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
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 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.