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Yes Bank BYOC Credit Card

Product Details
Credit Card Name : 

Yes Bank BYOC Credit Card

Bank Name :

Yes Bank

Type :

Rewards Credit Card

Interest Rate : 

3.8% p.m (45.6% p.a).

Eligibility :

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

Yes Bank BYOC Credit Card
Pros
  • Welcome Benefit: Get a FREE Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days.

  • Reward System: Customers can choose their perks from 1% cashback on all transactions or 8 reward points for every ₹200 spent.

  • Travel Benefits: 1 complimentary domestic airport lounge visit per quarter. 

  • Other Benefits: 1 Golf lesson per year at select golf courses in India, and insurance coverage. 

Cons
  • Low cashback rate. 

  • No free movie tickets. 

Pros & Cons
Welcome Benefits

Get a FREE Amazon voucher worth ₹500 on spending ₹1000 within the first 30 days.

Rewards System

1% cashback on all spends. 

8 reward points for every INR 200 spent. 

1 RP = INR 0.20

Effective Cashback Rate: 0.8%

International Forex Markup

3.5%.

Welcome Benefits and Reward System
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

Benefits
  • Travel Benefits

  • Insurance Benefits

  • Complimentary golf program

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 Card

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

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

Product Review
Fees & Charges
  • Card Fees: Regular: NIL. Eco-friendly: Rs 249. Metal Card: Rs 3499. Image fees: Rs 149 .

  • Cash advance fees: 2.5% of amount withdrawn or INR 500, whichever is higher.

  • Interest Rate: 3.8% p.m (45.6% p.a).

  • Late Payment fees: Late payment fee charged depending on the customers, total amount due; ranges from Rs. 0-1500.

  • 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

  • Foreign Currency Conversion Charges: 3.5%

  • 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. 

Fuel Surcharge

1% waiver, valid for transaction between 400 to 5,000 only, up to Rs 250 per statement cycle.

Billing Cycle

30 Days.

Fees & Charges
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