YES Bank BYOC Credit Card

visaclassiccreditshopping

Annual Fee

₹49

Base Reward

1% cashback

Foreign Markup

3.5% of the total transaction amount

4.5/5

Product Highlights

A fully customizable credit card.
Choice of plastic/metal for the card.

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

fuelcash withdrawalsEMI transactionscredit card fee payments

Partner Merchants

SwiggyUberPharmeasyBookMyShowBigBasket

Fees & Charges

Annual Fee₹49

Joining Fee₹49 + GST (Monthly)

Foreign Markup3.5% of the total transaction amount

Interest Rate3.80% per month

Cash Advance2.5% of the withdrawn amount subject to a minimum of ₹300

Eligibility

Min Age

21 yrs

Salaried

₹0.3L+

Self-Emp

₹5.0L+

Networks

visa