YES Bank BYOC Cashback Visa Credit Card
YES Bank
last updated: Nov 28, 2025
₹49
₹49
3.5%
4 visits/yr
Contents
YES Bank BYOC Cashback Visa Credit Card is a highly customisable cashback credit card that lets you build your own card with your preferred cashback plan, card material and design. With this BYOC (Build Your Own Card) Cashback variant, you can earn up to 10% cashback on top brands, enjoy domestic airport lounge access, fuel surcharge waiver and smart EMI facilities. The card is designed for online shoppers, frequent Swiggy, BookMyShow, Uber, PharmEasy, BigBasket users and value-seeking customers who want flexible cashback and lifestyle benefits on a low base annual fee. If you want a personalised YES Bank credit card that fits your spending pattern and gives transparent cashback, this BYOC Cashback Visa Credit Card is worth a serious look.
Features of YES Bank BYOC Cashback Visa Credit Card which makes it unique
Highly Customisable Cashback Engine
Choose cashback on select lifestyle brands with flexible Silver, Gold and Platinum subscription plans.
Maximise savings on the categories and brands you actually use every month.
Greater control over cashback categories than most fixed-structure cashback credit cards in India.
Choice Between Cashback and Reward Points
Switch between BYOC Cashback and BYOC Rewards structures based on your preference for instant savings or long-term reward accumulation.
Optimise benefits over time without changing your card or applying for a new product.
More flexible than traditional cards that lock you into one reward mechanism.
Premium Feel on a Low Base Fee
Access lounge benefits, golf privileges and curated partner offers despite a relatively low base annual fee.
Enjoy premium lifestyle privileges without paying very high joining or annual fees.
Value proposition similar to mid-range premium cards but at a much lower headline fee.
BYOC Design and Material Choice
Pick between standard, eco-friendly and metal variants, along with customised imagery, to create a card that reflects your personality.
Blend function and style in a single customisable YES Bank credit card.
One of the few Indian credit cards offering design, material and reward structure personalisation together.
Rewards Structure of YES Bank BYOC Cashback Visa Credit Card
Featured Partner Brands Cashback
baseEligible spends at your chosen partner brands such as BookMyShow, Swiggy, PharmEasy, Uber and BigBasket under Silver, Gold or Platinum plan.
Earn up to 10% cashback on transactions at selected top brands with per-merchant and monthly caps as per your chosen BYOC subscription plan.
All Other Retail Spends
baseRegular retail transactions excluding fuel, cash advances, wallet loads, rent and other restricted categories as per YES Bank rules.
On the BYOC Cashback variant you typically earn around 1% cashback equivalent on everyday card spends, making it a strong all-rounder cashback credit card.
Optional Reward Points Plan
baseIf you switch from Cashback to Reward Points, you earn YES Rewardz points instead of direct cashback on eligible spends.
Cardholders can choose the YES Bank BYOC Rewards plan instead of Cashback to earn 8 Reward Points on every ₹200 retail spend and redeem points for vouchers, merchandise or statement credit.
Fuel Spends
baseFuel transactions at petrol pumps across India between ₹400 and ₹5,000 per transaction.
Fuel spends do not typically earn cashback or reward points but qualify for 1% fuel surcharge waiver up to a monthly limit specified by YES Bank.
EMI Transactions
baseRetail transactions converted into EMI using Instant EMI or EMI on Call facility, subject to bank eligibility.
EMI transactions generally continue to earn base cashback or points at the normal rate unless excluded under specific merchant or category restrictions in the MITC.
Milestones of YES Bank BYOC Cashback Visa Credit Card
Monthly Partner Cashback Cap
Varies by Silver, Gold or Platinum plan : Up to ₹500 cashback per statement cycle on partner brands
High-Spend Lifestyle Usage
₹2,00,000 annual retail spends (indicative) : Enhanced cashback potential and more value from lounge and partner benefits
Fees & Charges of YES Bank BYOC Cashback Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 49% |
| Annual Fee | 49% |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | ₹750 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee of ₹49 plus taxes per year; additional card material and subscription plan charges apply separately as per chosen BYOC variant.
Fee Explanation YES Bank BYOC Cashback Visa Credit Card comes with a low base joining and annual fee of ₹49 plus taxes as per the official YES Bank credit card schedule, while one-time eco-friendly or metal card issuance charges, monthly core benefit fee for the BYOC Cashback variant, subscription plan charges, interest on revolving credit and cash advances, fuel surcharge, overlimit fee, rental and wallet transaction charges, and late payment fee follow YES Bank’s latest Most Important Terms and Conditions (MITC) for BYOC Credit Card. Overlimit fee is typically levied at 2.5% of the overlimit amount (minimum ₹750) and late payment fee is charged on a slab basis up to around ₹1,200 depending on total outstanding.
Lounge Access Benefits with YES Bank BYOC Cashback Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Approx. 1 complimentary domestic airport lounge visit per calendar quarter for the primary cardholder at select airports, subject to active subscription and network/issuer terms.
Insurance Coverage with YES Bank BYOC Cashback Visa Credit Card
Credit Shield Cover
₹2,50,000Protects the outstanding on your YES Bank BYOC Cashback Visa Credit Card in case of accidental death of the primary cardholder, as per insurance policy terms and bank tie-up.
Lost Card Liability Protection
As per YES Bank policyLimited liability cover for fraudulent transactions post loss or theft of card once reported to YES Bank; specific coverage limits and conditions are defined in the MITC.
Additional Features of YES Bank BYOC Cashback Visa Credit Card
Build Your Own Card
Customise your YES Bank BYOC Cashback Visa Credit Card by choosing cashback or rewards, subscription plan, card material and card image.
Features, merchants and subscription fees can be changed as per product rules; changes may be allowed once per billing cycle.
Contactless Payments
NFC-enabled contactless Visa card for quick tap-and-pay transactions.
Tap-and-pay generally allowed up to ₹5,000 per transaction without PIN, subject to RBI contactless limits and POS terminal compatibility.
Instant EMI & EMI on Call
Convert eligible purchases into EMIs directly at checkout or through phone banking at attractive interest rates.
Minimum transaction amount usually ₹1,500; processing fee and interest rate depend on tenure and current YES Bank EMI offers.
Personalised Card Design
Upload your preferred image or choose from curated templates to personalise your BYOC card design.
Card image should comply with YES Bank image guidelines; additional image or customisation charges may apply.
Smart e-Statements & Alerts
Track spends with email/SMS alerts, e-statements, and app notifications for due dates, spends and offers.
Requires updated mobile number and email ID; notification frequency is as per bank settings and regulatory guidelines.
Welcome Bonus with YES Bank BYOC Cashback Visa Credit Card
Welcome Bonus: Amazon voucher worth ₹500 on first 30-day retail spends
Bonus Conditions: Get a ₹500 Amazon shopping voucher on spending at least ₹1,000 within 30 days of card setup. Valid only for new YES Bank BYOC Cashback Credit Card customers and as per the latest YES Bank promotional terms.
Application Process for YES Bank BYOC Cashback Visa Credit Card
Processing Time
3-5 business days after successful KYC and approval
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official YES Bank website or credit card page and select the YES Bank BYOC Credit Card product.
Choose the BYOC Cashback option, select Visa as the network and decide your preferred subscription plan and card material (standard, eco-friendly or metal).
Fill in the online application form with personal, employment and income details and submit the required KYC documents.
Complete digital or physical KYC verification as guided by YES Bank.
Upon approval, your YES Bank BYOC Cashback Visa Credit Card is processed and dispatched, and you receive your card details and e-welcome kit on email.
Activate the card using YES Online, YES Mobile app or IVR, set your PIN and start using it for cashback-earning transactions.
Required Documents for YES Bank BYOC Cashback Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
YES Bank BYOC Cashback Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled PoS terminals and online merchants.
International Acceptance
Accepted globally at millions of Visa merchant locations for in-store and online payments.
Online Acceptance
Yes, works on major Indian and international e-commerce platforms, OTT apps, food delivery, travel and utility bill payment sites.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank BYOC Cashback Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹62,500
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be between 21 and 60 years, have a valid PAN and Aadhaar, stable income, and clean credit history; existing YES Bank credit cardholders are generally not eligible for BYOC as a first card. Self-employed applicants typically need ITR of at least ₹7.5 lakh per year.
How Approval Is Decided
- Meeting YES Bank’s minimum income requirement (typically ₹25,000 net salary per month for salaried applicants).
- Indian resident between 21 and 60 years with valid KYC documents.
- Satisfactory credit score and repayment behaviour as per bureau reports and bank’s internal policy.
- No serious delinquencies or written-off credit facilities with YES Bank or other lenders.
- Successful completion of KYC and other risk checks as per YES Bank and regulatory norms.
Pros of YES Bank BYOC Cashback Visa Credit Card
- Customisable cashback structure with up to 10% cashback on popular lifestyle brands.
- Low base joining and renewal fees compared to typical premium cashback credit cards.
- Complimentary domestic airport lounge access for added travel comfort.
- Fuel surcharge waiver on eligible transactions across fuel stations.
- Flexible EMI options, including Instant EMI and EMI on Call, for big-ticket purchases.
Cons of YES Bank BYOC Cashback Visa Credit Card
- Multiple fee components such as core benefit fee and subscription plan fee can be confusing for new users.
- To unlock maximum value, you must actively choose and manage partner plans every month.
- Fuel, wallet loads and rental payments may not earn cashback and can attract additional charges.
- Metal and eco-friendly variants have higher one-time issuance fees.
- Benefits and partner list are subject to change, so you need to track updates regularly.
Frequently Asked Questions about YES Bank BYOC Cashback Visa Credit Card
Is there a joining fee for the YES Bank BYOC Cashback Visa Credit Card?
The YES Bank BYOC Cashback Visa Credit Card has a low base joining fee of around ₹49 plus taxes as per the official YES Bank credit card schedule, but you may also pay additional one-time fees if you choose an eco-friendly or metal variant. Monthly core benefit and subscription plan fees are separate and depend on the plan you select.
How does cashback work on the YES Bank BYOC Cashback Visa Credit Card?
With the YES Bank BYOC Cashback Visa Credit Card you earn enhanced cashback of up to 10% on top partner brands such as Swiggy, BookMyShow, Uber, PharmEasy and BigBasket based on your chosen Silver, Gold or Platinum subscription plan, along with base cashback on everyday purchases. Cashback is subject to per-merchant and monthly caps defined by YES Bank and the subscription plan terms.
Does the YES Bank BYOC Cashback Visa Credit Card offer airport lounge access?
Yes, eligible YES Bank BYOC Credit Card customers generally get around one complimentary domestic airport lounge visit per calendar quarter at select Indian airports. The exact lounge network, access limits and eligibility depend on your BYOC variant, network and subscription plan, so it is always best to check the latest lounge access list and terms on the official YES Bank website or in the e-welcome kit.
What is the eligibility criteria for the YES Bank BYOC Cashback Visa Credit Card?
To apply for the YES Bank BYOC Cashback Visa Credit Card you should be an Indian resident between 21 and 60 years of age, have a minimum net monthly income of about ₹25,000 if salaried or an ITR of at least ₹7.5 lakh if self-employed, hold a valid PAN and Aadhaar, and generally maintain a healthy credit score of 700 or higher. YES Bank will check your employment stability, existing credit facilities and internal policy before approving the card.
Is the YES Bank BYOC Cashback Visa Credit Card good for fuel, rent and wallet payments?
The YES Bank BYOC Cashback Visa Credit Card is primarily designed for lifestyle and online shopping, so fuel, rent and wallet transactions may not earn cashback and may attract additional charges. Fuel spends usually get only a 1% fuel surcharge waiver up to a monthly cap, while rental and wallet transactions are charged a separate fee of at least 1% of transaction value above ₹1. For maximum value, it is better to use this card mainly for online shopping, food delivery, travel, entertainment and partner brand spends.
What is the difference between YES Bank BYOC Cashback and BYOC Rewards Credit Card?
The YES Bank BYOC Cashback Credit Card focuses on direct cashback on your spends, especially on selected partner brands under Silver, Gold and Platinum plans, while the YES Bank BYOC Rewards Credit Card focuses on earning YES Rewardz points, typically at 8 Reward Points per ₹200 spent, which you can redeem later. Both variants share many lifestyle features, but the way you earn and redeem value is different, so you can pick the cashback plan for instant savings or the rewards plan for long-term point accumulation.
Who should get the YES Bank BYOC Cashback Visa Credit Card?
You should consider the YES Bank BYOC Cashback Visa Credit Card if you are an urban or semi-urban customer who spends regularly on food delivery, cabs, online groceries, movies and medicine delivery, wants the flexibility to customise card benefits every month and prefers transparent cashback instead of complex reward point programs. It is also a strong choice if you want a low base annual fee card with premium touches like lounge access and contactless payments without paying for a very high-end premium card.
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