Yes Bank BYOC Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a free Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days.
Milestone Benefits
None.
Cashback Rate
Users will get 1% cashback on all spends.
General Cashback Rate: 1%
User can choose certain merchants and get 10% cashback on purchases linked to those merchants. The merchants can be chosen out of the following 5 brands: BookMyshow, Pharmeasy, Bigbasket, Swiggy, Uber. Cardholders have 3 plans silver (2 merchants can be chosen) INR 99 per month + GST, gold (3 merchants can be chosen) INR 149 per month + GST, platinum (all 5 merchants can be chosen) INR 240 per month + GST.
Special Cashback Rate: 10%
Movie Benefits
Special Cashback Rate of 10% if Bookmyshow has been chosed by user as a preferred merchant.
Dining Benefits
Special Cashback Rate of 10% if Swiggy has been chosen by user as a preferred merchant.
Other Benefits
User can chose card materia - metal, plastic or eco firendly.
Speical cashback of 10% in case of preferred merchants.
Credit shield cover of INR 2.5 Lakh.
Lounge Access
1 complimentary domestic airport lounge visit per quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a free Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days.
Milestone Benefits
None.
Cashback Rate
Users will get 1% cashback on all spends.
General Cashback Rate: 1%
User can choose certain merchants and get 10% cashback on purchases linked to those merchants. The merchants can be chosen out of the following 5 brands: BookMyshow, Pharmeasy, Bigbasket, Swiggy, Uber. Cardholders have 3 plans silver (2 merchants can be chosen) INR 99 per month + GST, gold (3 merchants can be chosen) INR 149 per month + GST, platinum (all 5 merchants can be chosen) INR 240 per month + GST.
Special Cashback Rate: 10%
Movie Benefits
Special Cashback Rate of 10% if Bookmyshow has been chosed by user as a preferred merchant.
Dining Benefits
Special Cashback Rate of 10% if Swiggy has been chosen by user as a preferred merchant.
Other Benefits
User can chose card materia - metal, plastic or eco firendly.
Speical cashback of 10% in case of preferred merchants.
Credit shield cover of INR 2.5 Lakh.
Lounge Access
1 complimentary domestic airport lounge visit per quarter.
Fees & Charges
Joining Fee
Nil
Annual Fee
Nil
Cash Advance Fee
Cash advance fees: 2.5% of amount withdrawn or INR 500, whichever is higher.
Interest rate
Interest Rate: 3.8% p.m (45.6% p.a).
Late Payment Fee
Late Payment fees: Late payment fee charged depending on the customers, total amount due; ranges from Rs. 0-1500.
Foreign Currency Transactions Fee
Foreign Currency Conversion Charges: 3.5%
Other Fees
Card Fees: Regular: NIL. Eco-friendly: Rs 249. Metal Card: Rs 3499. Image fees: Rs 149 . | Reward Redemption Fees: INR 100 per redemption. | Fuel Surcharge Waiver : 1% waiver, valid for transaction between 400 to 5,000 only, up to Rs 250 per statement cycle | Card offers 3 subscription plans. Silver plan (INR 99+ GST) offers discounts on any 2 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Gold plan (INR 149+ GST) offers discount on any 3 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Platinum plan (INR 249+ GST) offers discount on any 5 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket.
Fees & Charges
Joining Fee
Nil
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.8% p.m (45.6% p.a).
Late Payment Fee
Late Payment fees: Late payment fee charged depending on the customers, total amount due; ranges from Rs. 0-1500.
Foreign Currency Transactions Fee
Foreign Currency Conversion Charges: 3.5%
Other Fees
Card Fees: Regular: NIL. Eco-friendly: Rs 249. Metal Card: Rs 3499. Image fees: Rs 149 . | Reward Redemption Fees: INR 100 per redemption. | Fuel Surcharge Waiver : 1% waiver, valid for transaction between 400 to 5,000 only, up to Rs 250 per statement cycle | Card offers 3 subscription plans. Silver plan (INR 99+ GST) offers discounts on any 2 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Gold plan (INR 149+ GST) offers discount on any 3 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Platinum plan (INR 249+ GST) offers discount on any 5 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket.
Special Features
Card offers 3 subscription plans. Silver plan (INR 99+ GST) offers discounts on any 2 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Gold plan (INR 149+ GST) offers discount on any 3 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket. Platinum plan (INR 249+ GST) offers discount on any 5 merchants out of the following: Bookmyshow, Swiggy, Pharmeasy, Uber and Bigbasket.
Eligibility Criteria
Age Criteria: Minimum 21 years to maximum 60 years.
Salaried or Self Employed.
Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 10 Lacs and above
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
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.
A Yes Bank representative will contact you to verify your details and complete the application process.
Contact Details
Toll Free No: 1800 103 6000
1800 103 1212
Email: yestouchcc@yesbank.in.
Account Opening and Procedure
Yes Bank BYOC Credit Cardi is a unique credit card with lot of value add features. Its only flaw is that new users may find the optionality to choose features of the card a little complicated.
Yes Bank BYOC Credit Cardi is a unique credit card with lot of value add features. Its only flaw is that new users may find the optionality to choose features of the card a little complicated.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai