YES Bank BYOC Credit Card

What is the Process to Build Your Card?

The ability to customize any part of the card gives you flexibility to make it your own and to reap the highest and best value. By following the steps given below, you can create a YES BANK BYOC Credit Card that aligns perfectly with your preferences and lifestyle. 

Step1: Choose Your Card Material 

1.  Plastic: Standard. 

1.  Eco-Friendly: Made from recycled materials with a low joining fee. 

1.  Metal: Premium is a high-quality card and will feel the most luxurious at a greater joining fee. 

Step 2: Select Your Card Image 

Fully personalize the card by choosing an image from the available gallery. This only applies to the Eco-Friendly card. 

Step 3: Choose Your Subscription Plan 

Customize your card enhancements, by selecting a subscription plan: 

1. Silver: Rs.99 + GST 

1. Gold: Rs.149 + GST 

1. Platinum: Rs.249 + GST 

All three tier plans provide additional value, and you're able to change your tier monthly to service your needs. You can also earn rewards of up to 10% cash back for purchases at select merchants. 

Step 4: Choose Your Benefits 

Choose between two core benefits: 

1. Cashback: Earn 1% cash back on all transaction. 

1. Rewards Points: Earn 8 rewards points for every Rs.200 spent on all transaction, excluding fuel. 

Eligibility Criteria for YES Bank BYOC Credit Card

To apply for the YES Bank BYOC Credit Card, you need to fulfil the following eligibility conditions:

1. You must be aged between 21 years and 60 years.

1. You must be a salaried or self-employed individual.
2. You must earn a minimum net monthly salary of Rs.25,000 or an income tax return with at least Rs.7.5 lakh.

Other YES Bank Credit Cards

1. FinBooster: YES BANK - BankBazaar Co-branded Credit Card
2. YES Bank FinBooster RuPay Credit Card
3. Yes Bank Marquee Credit Card
4. YES Bank POP-CLUB Credit Card
5. YES Bank RESERV Credit Card
6. YES Bank ACE Credit Card
7. YES Bank ELITE+ Credit Card
8. YES Bank First Business Credit Card
9. YES Bank Rio RuPay Credit Card

Fees and Charges for YES Bank BYOC Credit Card

The fees and charges associated with the YES Bank BYOC Credit Card are mentioned in the table below:

Type of Charge	Fee
Eco-Friendly Card (One-time Fee)	Rs.249 plus taxes
Metal Card (One-time Fee)	Rs.3,499 plus taxes
Card Perk Fee	BYOC Cashback: Rs.99 plus taxes (Rs.49 plus taxes for cards that have been on-boarded before 1 October 2023) BYOC Rewards: Rs.49 plus taxes

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FAQs on YES Bank BYOC Credit Card

• Does the BYOC Reward variant have a cap on how many Reward Points I can earn?

  No, on all purchases (aside from fuel purchases), you can earn an unlimited number of reward points (8 Reward Points for every Rs.200 spent).

• What distinguishes the YES Bank BYOC Credit Card from other credit cards?

  The YES Bank BYOC Credit Card allows you to customise your card including the card's material, the image that appears on the card, the businesses you want to receive cashback, and the rewards or cashback it offers.

• How can I apply for the YES Bank BYOC Credit Card?

  You can visit the official website of YES Bank to apply for the YES Bank BYOC Credit Card.

• Can I contact YES Bank to alter my YES Bank BYOC Credit Card plan?

  The YES Bank BYOC Credit Card can only be made by you, and changes can only be made later. The features and benefits cannot be altered by bank employees. You can go to the ‘BYOC’ tab on the pre-login home screen of the YES Mobile App or via the YES Service portal to choose the offer plans, unsubscribe, or modify the plans.

• Can my subscription plan be changed?

  Yes, you can change the subscription plan, but the changes will take effect with the next statement cycle and be charged accordingly.

• Can I modify the card material of my YES Bank BYOC Credit Card when I request a reissue?

  No, it is not possible to change the card material according to the current product structure.

• Can I modify the card's front image after it has been issued?

  No, it is not possible to modify the card's front image after it has been issued.

• Is it possible to apply for the YES Bank BYOC Credit Card without selecting a subscription plan?

  Yes, you can apply for the YES Bank BYOC Credit Card without selecting a subscription plan.

• Can I change my core benefit after issuance from reward to cashback or vice versa?

  No, after issuance, you cannot change the core benefit.

• What is the joining fee for the Eco-Friendly Card variant?

  The joining fee for the Eco-Friendly Card variant is Rs.249 plus taxes.