Yes Bank BYOC Credit Card

Yes Bank BYOC Credit Card is a rewards credit card from YES Bank. Users will get 1% cashback on all spends or 8 reward points for every ₹200 spent 1 RP = ₹0.20.

Joining fee: Nil
Annual fee: Nil
Forex markup: 3.5%
Interest: 3.8% p.m (45.6% p.a)

More YES cards

Welcome benefits

Users will get a free Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days

Rewards & cashback

Users will get 1% cashback on all spends or 8 reward points for every ₹200 spent 1 RP = ₹0.20.
Effective cashback rate: 0.8%

Airport lounge access

1 complimentary domestic airport lounge visit per quarter

Dining

Special Cashback Rate of 10% if Swiggy has been chosen by user as a preferred merchant

Movies

Special Cashback Rate of 10% if Bookmyshow has been chosed by user as a preferred merchant

More benefits & features

Card offers 3 subscription plans
Silver plan (₹99+ GST) offers discounts on any 2 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket
Gold plan (₹149+ GST) offers discount on any 3 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket
Platinum plan (₹249+ GST) offers discount on any 5 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket
Travel benefits
Insurance benefits
Complimentary golf program.; 1 Golf lesson per year at select golf courses in India, and insurance coverage

Fees & charges

Joining fee: Nil
Annual fee: Nil
Foreign currency markup: 3.5%
Interest rate: 3.8% p.m (45.6% p.a)
Late payment: Late payment fee charged depending on the customers, total amount due; ranges from ₹0-1500
Cash advance: 2.5% of amount withdrawn or ₹500, whichever is higher
Fuel surcharge: 1% waiver, valid for transaction between 400 to 5,000 only, up to ₹250 per statement cycle
Billing cycle: 30 Days
Other fees: Regular: NIL. Eco-friendly: ₹249. Metal Card: ₹3499. Image fees: ₹149 . | Reward Redemption Fees: ₹100 per redemption. | Fuel Surcharge…

Pros and cons

What works well

Users will get a free Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days
Users will get 1% cashback on all spends or 8 reward points for every ₹200 spent. 1 RP = ₹0.20
Effective cashback rate: 0.8%
1 complimentary domestic airport lounge visit per quarter
1 Golf lesson per year at select golf courses in India, and insurance coverage

Worth knowing

Low cashback rate
No free movie tickets

Who can apply

Age Criteria: Minimum 21 years to maximum 60 years
Salaried or Self Employed
Minimum Net Salary of ₹25,000 per month or Income Tax Return of ₹10 Lacs and above

How to apply

Here are the steps on how to apply for Yes Bank's BYOC Credit Card:

Go to the Yes Bank website and click on the "Apply for Credit Card" tab
Select the "BYOC Credit Card" option
Enter your personal details, such as your name, email address, and contact number
Enter your income details and employment status
Choose your credit limit and tenure
Select your preferred features and benefits
Upload your scanned copies of your PAN card, Aadhaar card, and latest salary slip
Click on the "Submit" button

Details come from information published by YES Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.