YES Bank BYOC Credit Card

Users are required to select a plan that aligns with their needs and avail benefits across various categories. Here is how to choose a  plan that best suits your lifestyle:

Pick your card

BYOC Credit Card comes in three forms: Plastic, Eco-friendly, and Metal. While the eco-friendly card comes with a joining fee of Rs. 249, the Metal variant charges a joining fee of Rs. 3,499.

Pick your card image 

You can choose your card image from the available options for eco-friendly cards. 

Choose your preferred merchants

Users can choose between the Silver, Gold, and Platinum plans and the merchant brands as per the below details and earn 10% cashback:

• 10% cashback on spends at BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket

Choose between cashback/ rewards 

You can either earn cashback or reward points on your spends as per the below details:

• 1% cashback across all spends OR 8 YES Rewardz points for every Rs. 200 spent

Note: Rental, wallet, utility,  fuel, cash withdrawals, post-purchase EMI, and instant EMI transactions are not eligible for cashback or reward points. Maximum Cashback is capped at Rs. 1,000 per statement cycle for BYOC Cashback Card, and YES Rewardz Points earned on utility spends are capped at 600 per statement cycle for BYOC Rewards Card.

Other Benefits

Complimentary Lounge Access: 1 complimentary domestic lounge visit per quarter on spending Rs. 35,000 in the previous quarter.

Entertainment Benefit: 25% off on movie tickets booked via BookMyShow, up to Rs. 250 per month.

Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations on fuel spends between Rs. 400 and Rs. 5,000, capped at Rs. 125 per month.

Mastercard Golf Benefits:

• 4 complimentary rounds of green fees & 12 complimentary golf lessons per year 
• Discounted golf services at 50% of the green fee beyond complimentary sessions

Insurance Coverage: Credit shield cover of Rs. 2.5 Lakh in case of accidental death

Type of Fee/ Charge	Amount
Joining Fee	Eco-Friendly Card: Rs. 249  Metal Card: Rs. 3,499
Monthly Fee	BYOC Cashback: Rs. 99 BYOC Rewards: Rs. 49 Silver Plan: Rs. 99 Gold Plan: Rs. 149 Platinum Plan: Rs. 249
Finance Charges	3.8% p.m. (45.60% p.a.)
Late Payment Fee	For Statement Balance: Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 150 Rs. 501 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 20,000: Rs. 750 Above Rs. 20,000 to Rs. 25,000: Rs. 1,000

Click here  to view other fees & charges and terms & conditions. 

Type of Fee/ Charge	Amount
Age Requirement	21 to 60 years
Occupation	Salaried or Self-employed
Min. Income Eligibility	Net Salary of Rs. 25,000 per month Income tax return of Rs. 7.5 Lakh per annum