YES Bank BYOC Credit Card
Key Highlights of YES Bank BYOC Credit Card
Following are the key highlights of the YES Bank BYOC credit card:
| Joining Fee | Rs. 249 - Rs. 3,499 + taxes (depends on card variant) |
| Monthly Subscription Fee | Rs. 99 - Rs. 299 (depends on card variant) |
| Welcome Benefit | Get a FREE Amazon voucher worth Rs. 500 on spending Rs. 1000 within the first 30 days |
| Key Benefits | Choose from 1% cashback on all transactions or 8 reward points for every Rs. 200 spent, 1 complimentary visit to select domestic airport lounges, 1 golf lesson per year at select golf courses in India, etc. |
| Rewards | 8 reward points for every Rs. 200 spent |
| Age | 21 - 60 years |
| Minimum Net Salary | Rs. 25,000 per month or ITR of Rs. 7.5 Lakhs |
| Foreign Currency Mark-up | Up of 3.5 % |
Features & Benefits of YES Bank BYOC Credit Card
The following are the main YES Bank BYOC credit card benefits and features:
Welcome Benefit
- Get a FREE Amazon voucher worth Rs. 500.
- Offer available on spending at least Rs. 1000 within the first 30 days.
Airport Lounge Access
- Get 1 complimentary visit to select domestic airport lounges.
- YES Bank BYOC credit card lounge access offer available to 1 visit per quarter for the primary card member.
- Offer available for select lounges in New Delhi, Ahmedabad, Amritsar, Bangalore, Bhopal, Chandigarh, Chennai, Cochin, Coimbatore, Dehradun, Goa, Guwahati, Hyderabad, Mumbai, etc.
Golf Benefits
- 4 green fee waivers per year.
- 1 golf lesson per year at select golf courses in India.
Insurance
- Credit shield cover of Rs. 2.5 Lakhs.
- Offer applicable in case of accidental death of primary cardmember.
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations across India.
- Offer applicable on transactions between Rs. 400 to Rs. 5,000.
Dining Benefit
- Minimum 15% discount on dining at select restaurants.
Instant EMI Facility
- Pay for your purchases in parts with the Instant EMI service.
- Convert transactions starting from as low as Rs. 1,500.
- Zero documentation is required.
- 1% processing fee and 14% to 15% p.a. interest rate applicable.
- Flexible tenure options of 3, 6, 9, 12, 18, 24, and 36 months.
Other Benefits
- Personalise your card with an image you love.
- Choose from 1% cashback on all transactions or 8 reward points for every Rs. 200 spent.
- EMI on Call facility to convert payments into EMI at attractive interest rates.
- Get a loan amount within your card limit to fulfill immediate fund requirements.
- With YES PayNow, pay your bills on time, every month.
- With E-mandate, register standing instructions for your bill payments, subscriptions, insurance payments, and more.
- With the Express Loan facility, get a pre-approved loan at an attractive interest rate on your card without blocking the credit limit.
- Secure online transactions with MasterCard® SecureCode.
- Customise merchant offers as per your needs, change plans monthly, and earn 10% cashback.
- Contactless transaction with NFC-enabled technology.
YES Bank BYOC Credit Card Offer Plans
YES Bank BYOC credit card enables you to select personalized merchant offers and change your plan every month. You can choose any of the offer plans mentioned below:
| Silver | Gold | Platinum |
|---|---|---|
| Rs. 99 + GST | Rs. 149 + GST | Rs. 249 + GST |
Earn 10% cash back on any amount spent on BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket (subject to a maximum of Rs. 100 per merchant per statement cycle) as per the selected plan.
Additional info: Check Yes bank credit cards offers in detail
YES Bank BYOC Credit Card Fees and Charges
One-time fee (chargeable in the first statement):
- Eco-friendly card fee: Rs. 249 + taxes
- Metal card fee: Rs. 3,499 + taxes
Monthly fee (chargeable as per perks & active merchant plans):
- Card perk (core benefit) fee: Rs. 99 + taxes (Rs. 49 + taxes for cards on-boarded before 1st October 2023) for BYOC Cashback and Rs. 49 + taxes for BYOC Rewards.
- Subscription Plan Fee: Rs. 99 + GST for Silver, Rs. 149 + GST for Gold, and Rs. 249 + GST for Platinum plan.
- Charges for revolving credit, cash advances & overdue amounts: 3.80% per month (45.60% annually).
- Foreign currency mark-up: 3.5%.
- Charges for rental & wallet transactions: Minimum 1% of transaction value or Rs. 1, whichever is higher (effective from 1st November 2023) on all rental & wallet transactions above Rs. 1.
YES Bank BYOC Credit Card Eligibility
You must meet the following eligibility criteria to avail of the YES Bank BYOC Credit Card:
- The applicant must be aged between 21 and 60 years.
- The applicant must be salaried or self-employed.
- The applicant must be earning a minimum net salary of Rs. 25,000 per month or an Income Tax Return (ITR) of Rs. 7.5 Lakhs and above.
Additional info: Check YES bank credit card eligibility in detail.
YES Bank BYOC Credit Card Documents Required
You must furnish the following documents to apply for a YES Bank credit card:
- A copy of PAN Card/ Form 60
- Recent passport-size photographs
- Latest Salary Slip/ ITR as proof of income
- Electricity Bill/ Landline Telephone Bill/ Passport/ Ration Card as address proof
- Aadhaar Card/ Passport/ Driving License/ PAN Card as identity proof
*The above list of documents is indicative. Documents requirements may vary on a case-to-case basis.
How to Apply for YES Bank BYOC Credit Card?
To apply for a YES Bank BYOC credit card, follow the steps mentioned below:
- Visit the official website of YES Bank and go to the YES Bank BYOC credit card page.
- Share some basic details to fill out the online application form.
- Check your eligibility for the card.
- Apply for the credit card.
- Complete your KYC.
FAQs
BYOC stands for Build Your Own Card. It is a highly customizable credit card where you can choose your card material, image on the card, benefits (such as rewards or cashback), and the merchants where you want to get cashback.
No, the front image cannot be changed after the credit card is issued.
Yes, you can change the subscription plan anytime but the plan will come into effect from the next statement cycle and will be charged as per the statement cycle.
No, it is not possible to switch between the core benefits after the card is issued as well as during reissuance.
Yes, you can take the card without any subscription plan.
No, there is no maximum limit on earning 1% cashback. It is unlimited on all spends (except fuel transactions).
You can pay your YES Bank credit card bill through any of the following channels:
- For YES BANK Account Holders:
- NetBanking
- Standing Instruction
- For All Customers:
- NEFT/ IMPS/ RTGS fund transfer mode by adding your YES Bank Credit Card as a beneficiary. Use IFSC code ‘YESB0CMSNOC’.
- Billdesk Billdesk facility
- Cheque payment
- Cash payment at YES Bank branches
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