All Cards
YES Bank BYOC Credit Card
visaclassiccredit

YES Bank BYOC Credit Card

Yes Bank

shopping

Annual Fee

₹49

Joining Fee

₹49 + GST (Monthly)

Base Reward

1% cashback

Foreign Markup

3.5% of the total transaction amount

Interest Rate

3.80% per month

Product Highlights

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

Rewards

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).

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Cash Advance2.5% of the withdrawn amount subject to a minimum of ₹300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

Max Age

60 years

Min Income (Salaried)

₹25,000

Min Income (Self-Employed)

₹5,00,000

Available Networks

visa

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

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