YES BANK BYOC (Build Your Own Card) Credit Card
YES BANK
₹49
Joining fee
₹588
Annual fee
Annual fee waiver conditions not found/not provided in content; joining fee varies by physical card variant (Rs 249 Eco-Friendly, Rs 3,499 Metal) plus a monthly plan fee (Rs 49-249 depending on plan chosen).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried minimum Rs 25,000/month net salary; self-employed ITR Rs 7.5 lakh/annum.
Lounge access
0 domestic / 0 international visits per year
Note: Modular card: customer chooses one of five monthly plans (BYOC Cashback Rs 99, BYOC Rewards Rs 49, Silver Rs 99, Gold Rs 149, Platinum Rs 249) which determine benefit levels; joining fee also varies by physical card material (Eco-Friendly vs Metal).
Reward details
Choose one plan: 1% cashback across all spends OR 8 YES Rewardz points per Rs 200
- 10% cashback on BookMyShow, Swiggy, PharmEasy, Uber, BigBasket
Category caps
- BYOC Cashback plan: max cashback Rs 1,000/statement cycle
- Utility rewards points: 600/statement cycle
Redemption
Not detailed beyond plan-based earning
Excluded from rewards: rental, wallet, utility, fuel, cash withdrawals, post-purchase EMI, instant EMI transactions
- 25% off movie tickets via BookMyShow (up to Rs 250/month)
- 1% fuel surcharge waiver on Rs 400-5,000 spends, capped Rs 125/month
- 4 complimentary golf rounds and 12 lessons annually (Mastercard Golf variant only)
Real-world feedback
No customer reviews or sentiment data present in content fetched.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, lounge