Summary
The Yes Bank BYOC Credit Card is a unique card that allows you to make it exactly how you want it. Unlike other credit cards, this one allows you to choose the rewards and features that work best for you based on how you live, how you spend, and what you like.
You can choose the design of your card first. This may make your Yes Bank card look however you want, whether you want it to seem classic, modern, or like your personal photo. You can get either a flat 1% cash back or reward points (8 points for every ₹200 spent) with the card. This is the finest way for you to make money.
You can also pick between Silver, Gold, and Platinum subscription options. With these plans, you can get up to 10% back from well-known retailers like Swiggy, Uber, BigBasket, BookMyShow, and PharmEasy. You can change your plan or benefits every month, which is a big plus because your needs may change.
Introduction
In today’s digital world, credit cards are a common part of life. A credit card can make things easier and more fun, as when we buy products online, book a trip, or go out to eat at our favorite locations. Yes Bank has come out with a customized credit card called the Yes Bank BYOC Credit Card to address this need. “Build Your Card” is what BYOC stands for. This card lets you design your credit card that meets your demands and way of life, as the name suggests.
You might be asking what makes this card so special right now. Well, most normal credit cards have certain features, benefits, and costs. The Yes Bank BYOC Credit Card, on the other hand, is not like that. You can choose the card style, the rewards you want, and the perks that work best for you. You can build your credit card anyway you choose with this card, whether you travel a lot, shop online, like movies, or just want cash back.
Now let’s talk about how this card’s design is different. Yes Bank has a variety of different design templates to select from, or you can even upload your picture to make it your own. This makes the card feel more like it’s yours and shows who you are.
It looks great, and you can change the way it works. You can get cash back or rewards points, have fuel surcharges waived, get into airport lounges, choose low-interest options, and much more. This card is for people who want to have more control over the benefits of their purchases. You may choose what works best for you, not just what the bank offers.
What is the Yes Bank BYOC Credit Card?
You can make your card with the Yes Bank BYOC Credit Card. This means you can make it work for you and your life. This card is different from ordinary credit cards because you can choose the design, incentives, prizes, and other features. You can choose between getting cash back or points that you can use to get rewards. You can also choose extras, such as not having to pay the fuel surcharge or being able to utilize airport lounges.
Another thing that makes this card special is that you can customize the design. You can choose from a lot of lovely themes, or you can add your picture to make the card appear different. This makes your money tool more entertaining and interesting.
How is the design of the Yes Bank BYOC Credit Card?
One of the best things about the Yes Bank BYOC Credit Card is how good it looks. You can change how this card looks and feels, which you can’t do with normal credit cards. To start, you can choose from a number of pre-made designs, such as professional styles, beautiful patterns, and modern themes. You can choose a style that really works for you.
But that’s not all there is. You may also upload your picture to be printed on the card if you want something even more special. The card could have a picture of you, your family, or a beautiful place on it that is absolutely unique and personal. In this way, you might have a card that looks less like a regular bank card and more like “yours.”
What are the benefits of the Yes Bank BYOC Credit Card?
In this concise, easy-to-understand article with smooth transitions, we describe the main benefits of the Yes Bank BYOC (Build Your Card) Credit Card:
The ability to customize
- You can choose the sort of card you want—regular plastic, eco-friendly, or premium metal—as well as the image you want or one from a template.
- Plans and rewards: The most important thing is that you make your own rewards. You can pick between a flat 1% payback or 8 Rewardz points for every ₹200 spent. You can also choose a merchant cashback plan: Silver (2 brands), Gold (3 brands), or Platinum (all 5 companies: Swiggy, Uber, PharmEasy, BookMyShow, and BigBasket)
Rewards and Cash Back
- You can get 1% back on all your retail purchases or 8 YES Rewardz points for every ₹200 you spend.
- With the subscription options, you can get 10% cash back (up to ₹100 per merchant/month) at the brands you choose. For Silver, you can choose 2 brands; for Gold, you can choose 3 brands; and for Platinum, you can choose all 5 brands.
Benefits for Travel and Lifestyle
- Access to lounges: If you spend the right amount, you can attend a domestic airport lounge for free once every three months.
- Golf Benefits: Four complimentary rounds of golf per year and monthly golf instruction at certain venues
Savings and safety every day
- Fuel Surcharge Waiver: You can get a 1% discount on fuel purchases between ₹400 and ₹5,000, up to ₹125 a month.
- Accidental Death Cover: The main cardholder is protected by insurance up to ₹2.5 lakh.
- EMI options and contactless payments: NFC tap-to-pay is safe, and there are flexible EMI options, including Instant EMI and EMI-on-Call.
What are the fees for the Yes Bank BYOC Credit Card?
Here is a simple breakdown of the Yes Bank BYOC Credit Card fee.
| Joining Fee | Eco-Friendly Card: Rs. 249 Metal Card: Rs. 3,499 |
| Annual Fee | Nil |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Yes Bank BYOC Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get a Yes Bank BYOC Credit Card?
The documents that you will have to submit to get the Yes Bank BYOC Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Yes Bank BYOC Credit Card be used?
Here is the list of places where you can use it:
- With the Yes Bank BYOC Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Yes Bank BYOC Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The Yes Bank BYOC Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Yes Bank BYOC Credit Card?
The credit amount you can spend is what you are provided with when you have a Yes Bank BYOC Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.
It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.
How do you apply for the Yes Bank BYOC Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Yes Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank BYOC Credit Card.
- Simply hover your cursor over the Yes Bank BYOC Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can request additional documents or information if necessary.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Yes Bank branch to apply for the Yes Bank BYOC Credit Card.
- Request the credit card application form for the Yes Bank FinanceBooster Rupay Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Yes Bank BYOC Credit Card by post at the same postal address.
- Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Yes Bank BYOC Credit Card in 2025 be the right choice?
Obtaining the Yes Bank BYOC Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.
Conclusion
The Yes Bank BYOC Credit Card is a new credit card that is simple to use and lets you pick what you want. This card is different from other credit cards since you may alter it to meet your lifestyle, spending patterns, and interests. You can choose the form of the card, whether you want cash back or reward points, and even the best prices at the stores you like best.
With the card, you can also choose between three monthly membership plans: Silver, Gold, and Platinum. Each method has a number of options. You won’t have to pay for features you don’t want. You can only pick the services that will aid you. The card also comes with benefits like access to airport lounges, no fuel surcharges, golf privileges, and accident insurance, which make it even better.
The best part is that you can perform the whole application procedure online. It only takes a few minutes to apply online, and you don’t have to fill out any documents. It’s simple to use, quick, and easy to understand, so it’s perfect for both tech-savvy folks and people who are obtaining their first card.
Frequently Asked Questions (FAQ’s)
Ans: No issue. You can pay the whole amount at once instead of in parts. You can choose every month based on how much money you have.
Ans: You may use the UNI app on both Android and iOS to easily keep track of your spending, see your statements, set restrictions, and pay your bills.
Ans: If you lose your card or someone steals it, you can block it straight away using the app or by phoning UNI’s customer service. This will block anyone from utilizing it without your permission.
Ans: You can use the Yes Bank BYOC Credit Card anywhere in the world that accepts VISA or Mastercard. But there can be expenses for changing money.
Ans: Yes, of course. The card has advanced security features like tap-to-pay, a small amount of printed information, and the ability to track it in real time through the app. These things make your purchases safer.
