YES Bank BYOC Visa Credit Card
YES Bank
Last updated: Feb 03, 2026
₹0
₹249
3.5%
4 visits/yr
Contents
YES Bank BYOC Visa Credit Card (Build Your Own Card) is a fully customizable credit card that lets you choose between cashback or rewards, eco-friendly or metal design, and optional subscription plans for extra benefits. It is ideal for young professionals, online shoppers and frequent urban spenders who want to personalise their rewards on brands like Swiggy, BookMyShow, Uber, PharmEasy and BigBasket. The card offers 1% cashback or 8 YES Rewardz points per ₹200 on eligible spends, 10% cashback at select partners, domestic airport lounge access, fuel surcharge waiver and Mastercard/Visa lifestyle privileges (basis network and variant). Overall, the YES Bank BYOC Visa Credit Card is positioned as a lifestyle, cashback and rewards credit card for customisable value on everyday spending in India.
Features of YES Bank BYOC Visa Credit Card which makes it unique
Build Your Own Credit Card
Fully customisable structure lets you choose card material, core benefit (cashback or rewards), subscription plan and partner offers.
You only pay for and earn benefits on the categories that match your spending pattern.
More flexible than standard one-size-fits-all cashback or rewards credit cards in India.
Dual Core Benefit Options
Option to select either BYOC Cashback or BYOC Rewards variant as your core earning structure.
Switch to the style of earning—flat cashback or reward points—that gives maximum long-term value for your lifestyle.
Rare among Indian credit cards where most products are strictly either cashback or rewards-based.
Rewards Structure of YES Bank BYOC Visa Credit Card
All Spends – Cashback Variant
baseAll eligible retail transactions on the BYOC Cashback plan, excluding fuel, utilities, rent, wallet loads, cash withdrawals and EMI conversions.
Best suited if you prefer simple cashback on everyday online and offline purchases.
All Spends – Rewards Variant
baseAll eligible retail transactions on the BYOC Rewards plan, excluding fuel, rent, wallet loads, cash withdrawals and post-purchase or instant EMIs.
YES Rewardz points can be redeemed for flights, hotels, vouchers and merchandise via the YES Rewardz portal, subject to program rules.
Partner Merchants – 10% Cashback
acceleratedSpends at BookMyShow, Swiggy, PharmEasy, Uber and BigBasket when an eligible Silver, Gold or Platinum BYOC subscription plan is active.
Perfect for heavy users of food delivery, groceries, cabs, movies and online pharmacy who want high category-wise savings.
Fuel Spends – Surcharge Waiver
baseFuel transactions at any fuel station in India between ₹400 and ₹5,000 per transaction.
Fuel transactions generally do not earn cashback or reward points but get the surcharge waiver benefit, improving effective savings on petrol and diesel.
Milestones of YES Bank BYOC Visa Credit Card
Quarterly Lounge Milestone
₹35,000 spend in the previous calendar quarter : 1 complimentary domestic airport lounge visit in the following quarter for the primary cardholder.
Golf and Lifestyle Privileges
As per network and programme terms (no fixed spend threshold disclosed) : Access to complimentary or discounted golf rounds and lessons at select courses, plus lifestyle offers via the Visa network where applicable.
Fees & Charges of YES Bank BYOC Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹249 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.8% |
| Late Payment Fee | ₹1,000 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:No traditional annual fee; monthly perk and subscription fees apply based on the variant and plan you choose.
Fee Explanation Finance charges of around 3.8% per month apply on revolving credit, cash advances and overdue amounts. Other charges follow YES Bank’s standard credit card MITC.
Detailed Explanation of YES Bank BYOC Visa Credit Card Fees
Joining Fee – Eco-friendly Variant: ₹249 + taxes (one-time)
Payable for the eco-friendly plastic BYOC card at the time of issuance.
Joining Fee – Metal Variant: ₹3,499 + taxes (one-time)
Payable for the premium metal BYOC card; offers the same core benefits with a metal form factor.
Monthly Perk Fee – BYOC Cashback: ₹99 + taxes (monthly)
Charged only if you choose the BYOC Cashback core benefit plan.
Monthly Perk Fee – BYOC Rewards: ₹49 + taxes (monthly)
Charged only if you choose the BYOC Rewards (points) core benefit plan.
Subscription Plan – Silver: ₹99 + taxes (monthly)
Optional; adds merchant-specific offers and benefits like 10% cashback at selected brands.
Subscription Plan – Gold: ₹149 + taxes (monthly)
Optional; higher plan with additional merchant offers and image customisation benefits.
Subscription Plan – Platinum: ₹249 + taxes (monthly)
Top-tier subscription plan with maximum partner offers and higher potential value-back, subject to terms.
Finance Charges: 3.8% per month (approx. 45.6% p.a.) (monthly)
Applicable on revolving balance, cash advances and overdue amounts until payment is received.
Foreign Currency Mark-up: 3.5% of transaction amount (transaction)
Charged on international purchases and ATM withdrawals made in foreign currency.
Cash Advance Fee: 3.8% of withdrawal (minimum bank-specified amount) (transaction)
Applicable on cash withdrawals made using the credit card at ATMs or branches.
Late Payment Fee: Up to ₹1,000 per statement cycle (monthly)
Slab-based late fee depending on statement balance; refer to YES Bank MITC for detailed slabs.
Fuel Surcharge Waiver: 1% surcharge waiver (transaction)
Valid on fuel spends between ₹400 and ₹5,000 per transaction; maximum waiver of ₹125 per statement cycle.
Lounge Access Benefits with YES Bank BYOC Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic airport lounge visit per quarter on achieving ₹35,000 spends in the previous quarter; benefit available to primary cardholder only at participating lounges.
Insurance Coverage with YES Bank BYOC Visa Credit Card
Lost Card Liability Protection
As per YES Bank cardholder policyProvides protection against fraudulent transactions from the time loss is reported to YES Bank, subject to terms specified in the MITC and cardholder agreement.
Additional Features of YES Bank BYOC Visa Credit Card
Contactless Payments
Tap-and-pay enabled for quick NFC payments at POS terminals supporting contactless Visa transactions.
Contactless limits and PIN requirements follow RBI and YES Bank guidelines.
Instant EMI Conversion
Convert eligible transactions of ₹1,500 and above into EMIs directly at the point of purchase or via YES Mobile / NetBanking.
Processing fee of around ₹199–₹399 and interest rates from approximately 16% p.a. apply, depending on tenure and offer.
Flexible Subscription Plans
Choose or change Silver, Gold or Platinum subscription plans monthly to customise partner offers and cashback categories.
Plan changes typically become effective from the next statement cycle; charges apply as per selected plan until you unsubscribe.
Card Design Personalisation
Eco-friendly variant allows you to pick a card image that matches your style from a predefined gallery.
Custom image options may not be available on the metal variant; image change fees may apply on some plans.
Welcome Bonus with YES Bank BYOC Visa Credit Card
Welcome Bonus: NA
Bonus Conditions: Benefits depend on the BYOC Cashback or BYOC Rewards variant and any optional Silver, Gold or Platinum subscription plan selected.
Application Process for YES Bank BYOC Visa Credit Card
Processing Time
5-7 business days after successful KYC and internal approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the YES Bank website or YES Mobile app and navigate to the BYOC Credit Card section.
Choose your card material (eco-friendly or metal), preferred network if offered and card design options.
Select your core benefit (BYOC Cashback or BYOC Rewards) and any optional Silver, Gold or Platinum subscription plan.
Fill in your personal, employment and income details and upload KYC documents such as PAN, Aadhaar and income proof.
Submit the application, complete video or in-person KYC if required and wait for YES Bank’s approval and card dispatch.
Required Documents for YES Bank BYOC Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Photograph
allAccepted documents:
YES Bank BYOC Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across Visa-enabled merchants in India including supermarkets, restaurants, fuel stations, e-commerce sites, pharmacies and offline retail stores.
International Acceptance
Accepted globally at all Visa merchant outlets and ATMs displaying the Visa logo, subject to foreign currency mark-up charges.
Online Acceptance
Yes, can be used safely on Indian and international websites with OTP-based two-factor authentication.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for YES Bank BYOC Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents 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 have a valid PAN, Aadhaar and stable income profile. Final approval is at YES Bank’s discretion based on internal policy and credit bureau checks.
How Approval Is Decided
- Indian resident aged between 21 and 60 years.
- Salaried or self-employed with minimum income meeting YES Bank’s BYOC criteria.
- Clean repayment history and a healthy credit score, generally around 700 or above.
- Satisfactory internal risk assessment by YES Bank based on documentation and bureau reports.
Pros of YES Bank BYOC Visa Credit Card
- Build-your-own structure with choice of cashback or reward points and optional subscription plans.
- Good savings potential via 10% partner merchant cashback plus everyday 1% cashback or rewards.
- Domestic airport lounge access on meeting a reasonable quarterly spend milestone.
- Eco-friendly and metal variants cater to both budget-conscious and premium-seeking users.
Cons of YES Bank BYOC Visa Credit Card
- Multiple monthly fees (core benefit plus subscription plan) can become expensive if you under-use the benefits.
- No traditional flat joining/annual fee waiver based on yearly spends; overall cost depends on plan choices.
- Benefits and value-back can be confusing for beginners who prefer simple, fixed reward structures.
Frequently Asked Questions about YES Bank BYOC Visa Credit Card
What is the YES Bank BYOC Visa Credit Card and who is it best for?
The YES Bank BYOC Visa Credit Card (Build Your Own Card) is a customizable credit card that lets you choose between cashback or rewards, eco-friendly or metal design and optional subscription plans. It is best for digitally savvy users who spend heavily on food delivery, online shopping, cabs, movies and everyday lifestyle categories.
What are the joining fees and are there any annual charges?
The eco-friendly BYOC card usually charges a one-time joining fee of around ₹249 + taxes, while the metal variant is priced higher at around ₹3,499 + taxes. There is no traditional annual fee; instead, you pay a monthly core benefit fee (for cashback or rewards) and any optional plan fees such as Silver, Gold or Platinum.
How do cashback and rewards work on the YES Bank BYOC Visa Credit Card?
On the BYOC Cashback plan you typically earn 1% cashback on eligible spends, while on the BYOC Rewards plan you earn 8 YES Rewardz points per ₹200 spent on eligible transactions. In addition, you can earn 10% cashback at partner brands such as Swiggy, BookMyShow, Uber, PharmEasy and BigBasket when an eligible subscription plan is active, subject to monthly caps.
Does the YES Bank BYOC Visa Credit Card offer lounge access?
Yes. The card offers 1 complimentary domestic airport lounge visit per quarter, typically on achieving at least ₹35,000 spends in the previous quarter. The benefit is generally available to the primary cardholder at select domestic lounges under the relevant Visa lounge program.
Are there any fuel benefits on the YES Bank BYOC Visa Credit Card?
Yes. You get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, capped at ₹125 per statement cycle. Fuel transactions may not earn cashback or reward points but the waiver reduces your effective cost of fuel.
What are the basic eligibility criteria to get the YES Bank BYOC Visa Credit Card?
Applicants should generally be Indian residents between 21 and 60 years of age. Salaried individuals usually need a minimum net monthly income of about ₹25,000, whereas self-employed applicants are typically expected to have an ITR of around ₹7.5 lakh per annum or more, with a good credit score and stable profile.
Can I change my BYOC plan or subscription after the card is issued?
Yes. You can usually switch between available subscription plans (Silver, Gold, Platinum) or unsubscribe through the YES Mobile app or service portal. Plan changes typically take effect from the next statement cycle, and charges apply according to the plan active on the first day of the statement period.
How can I apply for the YES Bank BYOC Visa Credit Card?
You can apply online via the YES Bank website or mobile app by selecting the BYOC Credit Card, entering your personal and income details, choosing card material and benefit plan, and completing KYC. YES Bank then reviews your application, checks your credit profile and dispatches the card once approved.
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