What is the YES Bank BYOC Credit Card?

The YES Bank BYOC Credit Card is a customizable card allowing users to choose card type, rewards, and benefits based on their spending behavior.

How much is the joining and renewal fee for the YES Bank BYOC Credit Card?

The YES Bank BYOC Credit Card has a monthly joining and renewal fee of Rs. 49 + GST.

Can I choose my reward type with the YES Bank BYOC Credit Card?

Yes, with the YES Bank BYOC Credit Card, you can select between a cashback program or a reward points program based on your preference.

What are the reward rates for the YES Bank BYOC Credit Card?

You can earn 1% cashback on all retail spends or 8 Reward Points per Rs. 200 spent with the YES Bank BYOC Credit Card.

Does the YES Bank BYOC Credit Card offer lounge access?

Yes, the YES Bank BYOC Credit Card provides 1 complimentary domestic lounge access every quarter, totaling 4 accesses per year.

Are there any golf benefits with the YES Bank BYOC Credit Card?

Absolutely, the YES Bank BYOC Credit Card offers 4 complimentary golf games annually and one complimentary golf lesson each calendar month.

What is the foreign currency markup on the YES Bank BYOC Credit Card?

The foreign currency markup for the YES Bank BYOC Credit Card is 3.5% of the total transaction amount.

How can I redeem rewards earned with my YES Bank BYOC Credit Card?

Reward points from your YES Bank BYOC Credit Card can be redeemed on the YesRewardz portal, while cashback is automatically credited to your account.

Does the YES Bank BYOC Credit Card have a fuel surcharge waiver?

Yes, the YES Bank BYOC Credit Card offers a 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000.

What are the eligibility criteria for the YES Bank BYOC Credit Card?

Applicants for the YES Bank BYOC Credit Card must be 21-60 years old, salaried (min Rs. 25k/month) or self-employed (min ITR Rs. 5L), with a decent credit score.

YES Bank

YES Bank BYOC Credit Card

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 1% cashback or 8 Reward Points on every Rs. 200 spent.

Reward Type

Reward Points / Cashback

Reward Redemption

Redeem reward points via YesRewardz portal (up to Re. 0.25/point); cashback auto-credited.

Domestic Lounge Access

1 complimentary domestic lounge access every quarter, totaling 4 per year.

International Lounge Access

Not Applicable

Premium Benefits

4 complimentary golf games annually & 1 complimentary golf lesson monthly.

Insurance Coverage

Not Applicable

Movie

Accelerated cashback on BookMyShow via optional plans.

Dining

Accelerated cashback on Swiggy via optional plans.

Travel Benefits

Complimentary airport lounge access every quarter, plus optional accelerated cashback on Uber.

What matters, explained clearly

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Frequently Asked Questions

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