Card Details
BYOC Credit Card
Card Issuer
YES Bank
Joining Fee
₹249
Annual Fee
₹1,188
Reward Type
Cashback
Card Access
Standard
Earn Points
1%
Cashback on eligible spends
8 Points
Per ₹200 spent on the rewards variant
Up to 10%
At selected merchants
Benefits
Highly customizable card with choice of reward…
- Choose the card material, image, core reward type, and selected merchants.
- Choose benefits such as Reward or Cashback and merchants where cashback is preferred.
Up to 10% cashback at selected merchants
- Up to 10% cashback at selected merchants including BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket.
1 Domestic Lounge Visit/Quarter on ₹50,000…
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 ROIThings to Keep in Mind
The card is customizable and requires choosing among card-material, core-benefit, and merchant-plan options.
Cashback is capped at ₹1,000 per statement cycle according to the fetched source.
Reward and cashback exclusions include rental, wallet, utility, fuel, cash withdrawals, post-purchase EMI, and instant EMI transactions.
Merchant cashback requires a paid Silver, Gold or Platinum subscription.
Monthly core-benefit and merchant-plan fees may apply.
Eco-friendly and metal variants have one-time fees of ₹249 plus taxes and ₹3,499 plus taxes respectively.
Card insights
What Users Are Saying
Community Feed
Jul 2025
“Yes Bank Threatening”
by r/CreditCardsIndia, Jul 2025
“Yes Bank CC executive tried to outsmart me”
by r/CreditCardsIndia, Jun 2025
“Yes Bank agents and their obsession with BYOC card.”
by r/CreditCardsIndia, Mar 2025
“I think yes bank cheated me I got byoc card few days back”
by r/CreditCardsIndia, Mar 2025
“Yes Bank shady mis-selling of their BYOC card”
by r/CreditCardsIndia, Nov 2024
Alternatives
If you spend…
Recommendation
Modular, switchable perks
AU Bank LIT Credit CardUPI cashback
Kiwi Credit CardFree metal card
OneCard (Metal)Frequently Asked Questions
No. Even if the joining fee is waived, the monthly core-benefit fee (for example ₹99 + tax for cashback) and any merchant plan fees still apply.
A ₹30,000 month on BYOC, after the subscription
BYOC, YES Bank's "Build Your Own Card", is a credit card with a subscription attached. Here is what a fairly heavy month looks like on the cashback option.
You spend ₹30,000 on eligible purchases. The 1% cashback perk pays ₹300. The perk itself costs ₹99 + 18% GST, about ₹117 a month. You keep about ₹183. Over a year that is roughly ₹2,200, before the one-time card fee of ₹249 + taxes for the eco-friendly card or ₹3,499 + taxes for metal.
Now drop the spend to ₹8,000. Cashback is ₹80, the fee is still ₹117, and you are paying YES Bank to hold the card. The break-even is about ₹11,700 of eligible spend every month.
How the pricing works
There is no classic annual fee and no spend-based waiver. You pay in three layers:
- A one-time card fee, set by the material you pick.
- A monthly fee for your core benefit: 1% cashback, or 8 reward points per ₹200 on the rewards option. Our record does not give a rupee value for those points.
- An optional Silver, Gold or Platinum merchant plan for up to 10% at chosen merchants like Swiggy, BookMyShow, Uber and BigBasket. That 10% is capped at ₹100 a month in our record, so a plan can earn at most ₹1,200 a year. Get its price in writing before you add one.
Rent, wallet loads, utilities, fuel, education, government payments, insurance, EMI and cash withdrawals earn nothing.
"It is lifetime free," said the agent
This is the most common BYOC story on Reddit. Users describe calls where an agent pitched BYOC as free, or sent an SMS link for BYOC after a Kiwi or other application was turned down. Several later found monthly charges on statements, some on cards they never activated.
If BYOC arrives and you did not ask for it, do not activate it. Write to YES Bank saying what you applied for, that you did not consent to BYOC, and that you want it closed with all fees reversed. Keep the complaint number and escalate to the nodal officer, then the RBI Ombudsman, if needed. Users report reversals mostly after escalating.
What BYOC does well
The one thing holders genuinely like is a metal card for a one-time fee, without the income bar of premium metal cards. You also get 1 domestic lounge visit a quarter if you meet a spend condition in the previous quarter. Our sources disagree on that condition (₹35,000 or ₹50,000), so confirm it. Forex is about 3.5% in our records, which matches what users quote.
Our take on BYOC
Only take BYOC if you chose it yourself, want the metal finish, and spend well over ₹12,000 a month on eligible categories. For most people a no-fee card returns more. Users who like the modular idea prefer AU Bank LIT, where you can switch paid features off. If you applied for Kiwi, stick with Kiwi.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
