Travel on Points

YES Bank BYOC Credit Card

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  • Joining fee

    Rs. 49 + GST (Monthly)

  • Annual fee

    Rs. 49 + GST (Monthly)

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    1% cash back or 8 Reward Points on every retail spend of Rs. 200 (choose between rewards/cashback).

  • Reward redemption

    The Reward Points can be redeemed against various options via the YesRewardz portal where 1 Reward Point = up to Re. 0.25.

Benefits

  • Travel

    Complimentary airport lounge access every quarter.

  • Domestic lounge

    1 complimentary domestic lounge access every quarter.

  • Golf

    4 complimentary rounds of golf every year.

Fees & charges

  • Rewards redemption fee

    Nil

  • Foreign currency markup

    3.5% of the total transaction amount

  • Interest rates

    3.80% per month

  • Fuel surcharge waiver

    1% surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000

  • Cash advance charges

    2.5% of the withdrawn amount subject to a minimum of Rs. 300.

Product highlights

  • A fully customizable credit card.
  • Cardholders have an option to choose either cashback or rewards.
  • You get 1% cash back or 8 Reward Points on every spend of Rs. 200.
  • You can choose a cashback plan to earn accelerated cash back on the merchants of your choice.
  • Complimentary airport lounge access.
  • Complimentary rounds of golf every month.
  • 1% fuel surcharge waiver on all fuel transactions.

FAQs

What is the annual fee of the YES Bank BYOC Credit Card?

The annual fee of the YES Bank BYOC Credit Card is Rs. 49 plus applicable taxes for the basic variant, Rs. 3,499 (for the metal variant), and Rs. 249 (for the eco-friendly variant).

Do I earn cashback or reward points using this card?

Yes, you can choose to earn reward points or cash back as per your comfort. If you choose cash back, you get a 1% cashback on all your spends, and on choosing reward points, you get 8 Reward Points on every spend of Rs. 200.

What is the minimum eligible age to apply for the YES bank BYOC Credit Card?

The minimum eligible age to apply for this credit card is 21 years.

What is the interest rate on this credit card?

The interest rate on the YES Bank BYOC Credit Card is 3.5% per month.