Card Details
BYOC Credit Card
Monzy Score
8.5/ 10
Excellent for diners and foodies.
Strong ~10% back in its core category; high 3.5% forex markup.
Card Issuer
YES Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
—
Card Access
Standard
Earn Points
1%
Cashback on all spends (cashback option)
8 RP/₹200
Reward points on all spends (rewards option)
10%
Cashback at selected merchants with subscription plan
Benefits
Up to 10% cashback at selected merchants
1 domestic lounge visit per quarter
1% fuel surcharge waiver
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
All spends (base)
8 RP per Rs.200 (= 4 RP/Rs.100); RP = Rs.0.25 -> ~1% value. Alternatively selectable as 1% direct cashback.
₹300
Selected/customised merchants
Up to 10% cashback at user-chosen merchants; caps and eligible brands vary by plan (Silver/Gold/Platinum). Exact caps not standardised - treat as customisable.
₹0
Total Annual Return
₹3,600
1% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Yes Bank shady mis-selling of their BYOC card”
by r/CreditCardsIndia, Jul 2025
“Yes Bank agents and their obsession with BYOC card.”
by r/CreditCardsIndia, Jul 2025
“I think yes bank cheated me I got byoc card few days back”
by r/CreditCardsIndia, Jul 2025
“YesBank BYOC”
by r/CreditCardsIndia, Jul 2025
“Only Marquee & BYOC cards showing while applying”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The joining fee is ₹0 plus GST and the renewal fee is ₹4,176 plus GST. There is no spend based waiver on this card, so the ₹4,176 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
Cashback/rewards not applicable on rental, wallet, utility, fuel, cash withdrawal, post-purchase EMI, and instant EMI transactions
Maximum cashback capped at ₹1,000 per statement cycle for BYOC Cashback
Reward points on utility spends capped at 600 points per statement cycle for BYOC Rewards
