Yes Bank
YES Bank BYOC Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5% of the total transaction amount
Product Highlights
- A fully customizable credit card.
- Choice of plastic/metal for the card.
Category Rewards
Specialty
10% Cashback on Chosen Merchants
10%
Reward Calculator
Earns ₹3,600/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹3.6K
direct cashback
₹3.6K
via direct credit
Effective rate
2.31%
Annual fee
FREE
Year 1 net
+₹3,600
Year 2+ net
+₹3,600
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
rent, wallet, fuel, upi, government, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1% cashback on all retail spends or 8 Reward Points on every spend of ₹200. No rewards/cashbacks are earned on fuel transactions, cash withdrawals, EMI transactions, credit card fee payments, etc.
Redemption
1 Reward Point = up to ₹0.25 against statement
Benefits & Features
Domestic: 1 complimentary domestic lounge access every quarter Complimentary access to domestic airport lounges once every quarter (4 times every year).
Pros & Cons
Pros
- 1% cashback on all retail spends.
- Complimentary airport lounge access every quarter.
- 4 complimentary rounds of golf every year.
Cons
- Monthly fee of ₹49 + GST.
- No rewards on fuel transactions.
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹5.0L+
Networks