YES Bank BYOC Credit Card: Features & Charges

Summary

YES Bank BYOC Credit Card is an innovative card through which you can tailor your benefits, rewards, and fee structure based on your requirements. Compared to other traditional credit cards that come with pre-fixed options, this card allows you the choose of picking rewards in shopping, travel, dining, fuel, and entertainment.

One of its features is the pay-as-you-use fee structure. You can choose a zero-fee basic card or opt for a paid card scheme that offers you additional benefits like more reward points, airport lounge access, and more cashback. That is, you will only be charged for the features you make use of, thereby making it an economical choice.

The card also offers good reward points, 6 reward points on every ₹200 spent in chosen categories. The customers are also entitled to 1% fuel surcharge rebate, partner brand offers, and free EMI conversion on large purchases. The card also offers contactless payments and strong security features such as an EMV chip, fraud protection, and locking/unlocking of the card using the YES Bank mobile app.

Introduction

Credit cards are the need of the hour in the modern era, and not just because they offer convenience but also rewards and benefits based on a person’s spending habits. YES Bank has introduced the BYOC (Build Your Card) Credit Card, which is unique in itself. The name itself indicates that the card has the provision to design according to requirements. Unlike the run-of-the-mill credit cards with pre-existing benefits, the YES Bank BYOC Credit Card empowers you to make decisions about benefits, amenities, and even prices based on your lifestyle.

You can customize rewards in categories like shopping, travel, dining, fuel, and entertainment using this card. Thus, if you use a lot of e-commerce shopping, you can opt for e-commerce spending rewards. If you travel frequently, you can opt for travel benefits. It is so flexible that the card is highly attractive for those who want maximum value out of their use of credit cards.

The other exciting aspect of the YES Bank BYOC Credit Card is its flexible fee plan. Unlike usual credit cards that have fixed joining or yearly fees, this card gives you the control of choosing the type of fee plan that is most appropriate for you. If you want a zero-year fee, you can go for a basic plan. If you want rewards and add-ons, you can go for a paid plan. This makes the BYOC Credit Card one of the most convenient credit cards in India.

In addition to personalization, the card also provides such facilities as cashback, reward points, airport lounge access, fuel surcharge waiver, and special discounts on partner brands. It also possesses robust security features such as fraud protection, real-time alerts on transactions, and the facility to lock/unlock the card through the YES Bank mobile app.

What is the YES Bank BYOC Credit Card?

The YES Bank BYOC Credit Card is a unique credit card that allows you to customize its features to your needs. The name BYOC stands for “Build Your Own Card,” which suggests that you are able to choose the rewards, benefits, and fee structure according to your needs. Whereas the features of a traditional credit card are pre-set, this card gives you the flexibility to make choices in categories like shopping, travel, dining, entertainment, and fuel.

Among its best features is that you get to decide if you wish to pay an annual fee or to have a no-annual-fee basic plan. This ensures that the card gets offered to as many different sorts of users since you may need a simple plain card with no additional expense, or you would like to go for a deluxe card with other added benefits.

What is the design of the YES Bank BYOC Credit Card?

YES Bank BYOC Credit Card has a modern and trendy look that signifies its unique, customized features. The card is offered in an elegant and slim look with a high-quality finish, which renders it pleasing to the eye in an attractive way. As this card is based on the theme of “Build Your Card” (BYOC), its appearance is also plain but elegant, which makes it look professional.

This card boasts the YES Bank logo and BYOC branding, and it is very indicative of its flexibility. The card is made from long-lasting material and fitted with an EMV chip to provide secure payments. The card is also contactless-enabled, so you can tap on a payment terminal to make convenient payments without inserting or swiping.

What are the benefits of the YES Bank BYOC Credit Card?

Here are some of its main advantages, along with actual reward points:

1. Natural Reward System

• Depending on your consumption, you can choose a reward category like meals, travel, dining out, entertainment, or gas.

• Get six reward points for every ₹200 you spend on priority areas.

• Earn 1 reward point for each ₹200 spent on other purchases.

2. Flexible Fee Structure

• You may choose a zero annual fee or pay a charge for added benefits.

• In case you choose the paid version, you get better reward points and premium benefits.

3. Airport Lounge Privileges

• Get 2 free domestic airport lounge accesses a quarter if you choose the premium plan.

4. Waiver of Fuel Surcharge

• Get a waiver of 1% fuel surcharge at Indian petrol stations on spends of ₹400 to ₹5,000.

5. Cashback on Bill Payments

• Get cashback on electricity, water, and other bill payments if included in your customized plan.

6. Contactless Payments & Security

• Enables tap-and-pay for convenient transactions.

• Employs EMV chip technology to make transactions secure.

• Instant reminders and the option to lock/unlock the card via the YES Bank mobile app.

7. Discounts on Partner Brands

• Get exclusive deals and discounts on travel, shopping, and dining with YES Bank’s partners.

8. Easy EMI Conversion

• Make high-value purchases convenient EMIs with low interest charges.

What are the fees for the YES Bank BYOC Credit Card?

Here is a simple YES Bank BYOC Credit Card fee breakup.

Joining Fee	Rs. 49 + GST (Monthly)
Annual Fee	Rs. 49 + GST (Monthly)
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on 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 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

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 a valid address proof.

What documents are required to get a YES Bank BYOC Credit Card?

The documents that you will have to submit to Get a YES Bank BYOC Credit Card are as below:

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 employee Bank statement for the last 3 months ITR 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, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• 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, as well as to 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 items such as electronics or appliances through easy monthly installments (EMIs).

• The YES Bank BYOC Credit Card is also accepted in other countries, where you can 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 limit of the YES Bank BYOC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call YES Bank once you have made your application.

How do you apply for a YES Bank BYOC Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of 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.

• Just hover your cursor on the YES Bank BYOC Credit Card, followed by selecting ‘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 documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned 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 ask for extra documents or information if required.

• 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 for the credit card application form for the YES Bank BYOC 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 that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• 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, you need to activate it by following the instructions given in the envelope, either through the YES Bank Card website or mobile app or by calling 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 right?

Yes, getting a YES Bank BYOC Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

YES Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

YES Bank’s BYOC Credit Card is a pioneering and groundbreaking credit card that provides customers with the ability to personalize their benefits based on their expenditure. As opposed to conventional credit cards with fixed rewards and fees, this card gives you the option of selecting your rewards, subscription plans, and fee structure. Matter if you like cashback, travel rewards, savings while shopping, or improved fuel efficiency, you can make your card your own.

One of the best things about the YES Bank BYOC Credit Card is that it has a fee plan that can be customized. If you are a no-frills type and don’t mind paying lower fees, you can choose a zero or low-fee plan. Conversely, if you’re a user who wants to earn higher rewards and so on, you can choose a higher plan that comes with airport lounge access, bonus reward points, and special discounts. Such flexibility is hard to find in credit cards, and hence, it is a good option for various types of users.

In addition to customisation, the card’s security features include an EMV chip, contactless payment, instant transaction notification, and the ability to lock/unlock your card using the YES Bank mobile app. The features provide complete security to your transactions always.

Frequently Asked Questions (FAQ’s)