YES Bank BYOC Credit Card

  • Joining Fee: Rs. 49 plus applicable taxes Rs. 3,499 (for metal variant) Rs. 249 (for eco-friendly variant)
  • Renewal Fee: Rs. 49 per month.
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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The YES Bank has recently launched a customizable credit card named YES Bank BYOC Credit Card, where BYOC stands for ‘Build Your Own Card.’ It comes with a monthly membership fee of Rs. 49, however, an additional one-time fee might be charged if you want to customize the plastic of your card as per your choice. The card issuer provides you with three options, including a metal variant, an eco-friendly variant, and the regular plastic card variant. You can choose any of these three options. Apart from this, you can also choose your rewards plan as per your requirements and spending behavior. The AU Small Finance Bank has also launched one such credit card recently named the AU Bank LIT Credit Card and now the BYOC Credit Card launched by the YES Bank seems to give direct competition to the LIT Card. Talking about the BYOC Credit Card, it doesn’t only offer exciting reward rates, but also comes with a wide range of additional privileges across different categories, including travel, golf, etc. For more detailed information about the YES Bank BYOC Credit Card, its features, and fees & charges, keep reading the article:

New Features

Spend Based Waiver


Interest Rates

3.5% per month.

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions

Foreign Currency Markup

3.4% of the total transaction amount

Cash Advance Charges

2.5% of the withdrawn amount subject to a minimum of Rs. 300.

Movie & Dining



Complimentary airport lounge access every quarter.

International Lounge Access


Rewards Rate

1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).


4 complimentary rounds of golf every year.

Insurance Benefits


Reward Redemption

The Reward Points can be redeemed against various options via the YesRewardz portal where 1 Reward Point = up to Re. 0.25.

Domestic Lounge Access

1 complimentary domestic lounge access every quarter.

Zero Liability Protection

The cardholders will not be liable for any fraudulent transactions if the loss has been reported to the bank in a timely manner.


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