← Part of Yes Bank Credit Cards in India
The YES Bank BYOC (Build Your Own Card) Credit Card, launched in 2026, offers strong customization, allowing users to select card material, image, and preferred benefits. This card aims to provide a tailored financial experience, with options for cashback or reward points on eligible spends. As of 2026, the card features a monthly membership fee of ₹49, alongside a joining fee of ₹249 + GST for the Eco-friendly variant.
| Parameter | Details |
|---|---|
| Card Name | YES Bank BYOC Credit Card |
| Tagline | Build Your Own Card (BYOC) |
| Customization Options | Card material (Plastic, Eco-friendly, Metal), Card image, Benefits (cashback/rewards), Preferred merchants, Network (Visa/Mastercard) |
| Card Variants | Plastic, Eco-friendly, Metal |
| Joining Fee (Eco-friendly Variant) | ₹249 + GST (one-time) |
| Monthly Membership Fee | ₹49 (additional one-time fee for plastic card customization may apply) |
| Interest Rate | 3.5% per month |
| Key Benefits | Customizable rewards/cashback, Lounge access, Fuel surcharge waiver, Golf benefits, Travel perks, Lifestyle benefits |
| Maximum Cashback (Cashback Card) | ₹1,000 per statement cycle |
| Maximum YES Rewardz Points (Rewards Card, utility spends) | 600 per statement cycle |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹5,000, capped at ₹125 per month |
| Domestic Airport Lounge Access | 4 visits per year (maximum 1 per quarter) |
| Complimentary Golf Games | 4 per year |
| Complimentary Golf Lessons | 1 per calendar month |
| Reward Point Value (YesRewardz portal) | Up to Re. 0.25 per 1 Reward Point |
| Cashback on Eligible Spends | 1% |
| YES Rewardz Points on Eligible Spends | 8 per ₹200 |
The BYOC Credit Card’s flexible structure allows cardholders to align their card’s features with their spending habits, maximizing value through tailored cashback or reward point accumulation.
BYOC Card Variants & Customization
The YES Bank BYOC Credit Card offers three distinct card material variants: Plastic, Eco-friendly, and Metal, allowing for extensive personalization. Cardholders can also customize their core benefits, choosing between cashback or reward points, and tailor merchant offers monthly to align with spending habits.
| Type/Category | Details | Key Feature |
|---|---|---|
| BYOC Credit Card | Customizable credit card | Designed to offer benefits according to your lifestyle |
| BYOC Card Variant | Plastic Card | Standard card material; customizable image |
| BYOC Card Variant | Eco-friendly Card | Joining fee of ₹249 + taxes; customizable image |
| BYOC Card Variant | Metal Card | Joining fee of ₹3,499 + taxes; premium card material with customizable image |
| Customization Option | Card Material | Choose between Plastic, Eco-friendly, or Metal variants |
| Customization Option | Card Image | Personalize the image on the card (cannot be changed after issuance) |
| Customization Option | Core Benefit | Select either BYOC Cashback or BYOC Rewards (cannot be changed after issuance) |
| Customization Option | Merchant Offers | Select specific businesses for cashback/rewards, with monthly plan changes possible |
| Subscription Plans | Silver, Gold, or Platinum plans | Access multiple plans for maximum cashback, up to 10% on select merchants |
| Monthly Membership Fee | ₹49 + GST (basic variant) | Additional one-time fee for plastic card customization may apply |
| Core Benefit: Cashback | Maximum Cashback: ₹1,000 per statement cycle | Earn 1% cashback on eligible spends, up to 10% at select partners |
| Core Benefit: Rewards Points | Maximum YES Rewardz Points: 600 per statement cycle (utility spends) | Earn 8 YES Rewardz points per ₹200 spent on eligible transactions |
This customization allows users to align their credit card with their specific financial preferences and spending patterns, from the physical card design to the reward structure.
BYOC Credit Card Fees & Charges 2026
The YES Bank BYOC Credit Card has a monthly membership fee of ₹49, with an additional one-time fee for card customization. As of 2026, the interest rate on revolving credit is 3.5% per month, and foreign currency transactions incur a 3.4% markup fee.
| Metric | Value (₹) | Details |
|---|---|---|
| Monthly Membership Fee | 49 | Additional one-time fee for customizing plastic card might be charged. |
| Joining Fee (Eco-friendly Variant) | 249 + taxes | One-time fee payable at the time of issuance for the eco-friendly card material. |
| Joining Fee (Metal Variant) | 3,499 + taxes | One-time fee payable at the time of issuance for the premium metal card material. |
| Card Perk Fee (BYOC Cashback) | 99 + taxes | Monthly fee for the BYOC Cashback core benefit plan. (₹49 + taxes for cards on-boarded before 1st October 2023). |
| Monthly Perk Fee (BYOC Rewards) | 49 + taxes | Charged only if the BYOC Rewards core benefit plan is selected. |
| Interest Rate (Revolving Credit) | 3.5% per month | Applicable on revolving credit, cash advances, and overdue amounts (also stated as 3.8% per month or 45.60% annually). |
| Foreign Transaction Fee | 3.4% | Markup fee for all transactions made in foreign currency. |
| Card Re-issuance Fee (Plastic Card) | 199 | Effective 15th June 2026, for lost, stolen, or damaged plastic cards. |
| Card Re-issuance Fee (Eco-friendly Card) | 349 | For lost, stolen, or damaged eco-friendly cards. |
| Card Re-issuance Fee (Metallic Card) | 3,599 | For lost, stolen, or damaged metallic cards. |
| Fuel Surcharge Waiver | 1% | Waiver on fuel transactions across all stations in India, capped at ₹125 per month. |
| Fuel Transaction Fee (Rio RuPay) | 1% + GST | Applicable on fuel transactions above ₹10,000 for YES Bank Rio RuPay Credit Card. |
| Fuel & Toll Charges (First Business) | Applicable | Charges for fuel and toll/bridge transactions from 15 October 2025 for YES Bank First Business Credit Card. |
| FinBooster RuPay Card Fees | Zero | No joining or annual fee for the YES Bank FinBooster RuPay Credit Card variant. |
The BYOC Credit Card’s fee structure allows for customization, with varying charges based on card material and chosen perk benefits, ensuring flexibility for cardholders.
How to Apply for YES Bank BYOC Card
Applying for the YES Bank BYOC Credit Card in 2026 is an online process, designed for Indian citizens aged 21 to 60 years with a consistent income source. Salaried applicants need a minimum monthly income of ₹25,000, while self-employed individuals require an ITR of at least ₹5 lakh.
The application involves submitting documents and undergoing internal credit checks, with card delivery typically taking 3-4 weeks from approval.
- Visit YES Bank Website: to the official YES Bank website and locate the “Apply for Credit Card” section.
- Select BYOC Card: Choose the “BYOC Credit Card” option from the available credit card products.
- Complete Online Application: Fill out the digital application form with personal, financial, and employment details.
- Upload Documents: Submit scanned copies of required documents, including a valid PAN card, Aadhaar card, and income proof (salary slips or ITR).
- Undergo Verification: The bank conducts internal policy and credit bureau checks. A video or in-person KYC verification may be required.
- Customize Card Features: Select your preferred card material (Plastic, Eco-friendly, or Metal) and customize benefits such as cashback or reward points.
- Review and Submit: Carefully review all entered information and selected customizations before submitting the application.
- Receive Card: Upon approval, the physical BYOC Credit Card is typically delivered to your registered address within 3-4 weeks.
Ensure all eligibility criteria are met and documents are ready to streamline the application process for the YES Bank BYOC Credit Card.
BYOC Credit Card Key Benefits
The YES Bank BYOC Credit Card offers extensive customization, allowing users to select benefits across cashback, rewards, travel, and golf categories. As of 2026, cardholders can tailor their card’s material, design, and core perks to align with their spending habits and lifestyle.
- Customizable Perks: Cardholders can choose between 1% cashback on eligible spends or 8 YES Rewardz points for every ₹200 spent. The BYOC Cashback Card caps maximum cashback at ₹1,000 per statement cycle.
- Reward Point Value: YES Rewardz points can be redeemed via the YesRewardz portal, with each point valued at up to ₹0.25. Utility spends on the BYOC Rewards Card are capped at 600 points per statement cycle.
- Airport Lounge Access: The card provides 4 complimentary domestic airport lounge visits per year, limited to one visit per quarter for the primary card member.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable on transactions between ₹400 and ₹5,000 at all fuel stations across India, with a monthly CAP of ₹125.
- Golf Privileges: Cardholders receive 4 complimentary golf games annually and one complimentary golf lesson each calendar month, lifestyle benefits.
- Insurance Coverage: The card includes a credit shield of ₹2.5 lakh in case of accidental death of the primary cardholder, along with a lost card liability cover of ₹3 lakh.
- Flexible Design Options: Users can select from Plastic, Eco-friendly (₹249 + taxes), or Metal (₹3,499 + taxes) card variants, customizing the card’s physical appearance.
These benefits are designed to provide significant value, allowing cardholders to optimize their savings and experiences based on their individual preferences.
BYOC Vs. AU Bank LIT Credit Card
The YES Bank BYOC Credit Card and AU Bank LIT Credit Card both offer customizable features, allowing users to tailor benefits to their spending habits. As of 2026, the BYOC card provides options for card material and a choice between cashback or reward points, while the LIT Card focuses on selecting features for a 90-day period.
| Feature | YES Bank BYOC Credit Card | AU Bank LIT Credit Card |
|---|---|---|
| Customization | Fully customizable card, including material (Plastic, Eco-friendly, Metal), image, benefits (cashback/rewards), and merchant offers. | Customizable features where users choose benefits like cashback, lounge access, or milestone offers for a 90-day period. |
| Card Variants | Available in Plastic, Eco-friendly, and Metal variants. | Focuses on customizable features rather than physical variants. |
| Joining Fee | Plastic card: ₹249 + GST. Eco-friendly card: ₹249 + taxes. Metal card: ₹3,499 + taxes (all one-time). | Lifetime free card, no joining fees. |
| Annual/Monthly Fee | Monthly membership fee of ₹49 + taxes. Card perk (core benefit) fee: ₹99 + taxes (₹49 + taxes for cards on-boarded before Oct 1, 2023). | Lifetime free card, no annual fees. Users pay a fee only for selected features for a 90-day period. |
| Reward Structure | Choose between 1% cashback or 8 reward points per ₹200 on eligible spends. Max cashback: ₹1,000 per statement cycle. Max utility reward points: 600 per statement cycle. | Offers reward points or cashback across different categories chosen by the user. |
| Lounge Access | 4 complimentary domestic airport lounge visits per year (max 1 per quarter) for the primary card member. | Users can select lounge access as a feature and pay a fee for IT. |
| Golf Benefits | 4 complimentary golf games per year and 1 complimentary golf lesson per calendar month. | Not specified as a standard customizable feature. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹125 per month. | Not specified as a standard customizable feature. |
The YES Bank BYOC card offers extensive physical and benefit customization with specific fees for variants and perks, while the AU Bank LIT Card provides a lifetime free model with feature-based payments for a 90-day cycle.
BYOC Credit Card Eligibility Criteria
To apply for the YES Bank BYOC Credit Card in 2026, applicants must be Indian citizens aged between 21 and 60 years with a consistent income source. Salaried individuals need a minimum monthly income of ₹25,000, while self-employed applicants require an Income Tax Return (ITR) of at least ₹5 lakh.
These criteria ensure applicants can manage credit responsibilities effectively, aligning with YES Bank’s internal policy and credit bureau checks.
- Age Requirement: Primary cardholders must be between 21 and 60 years old. Add-on cardholders need to be 18 years or above.
- Income Threshold: Salaried applicants require a minimum monthly income of ₹25,000. Self-employed individuals must have an ITR of at least ₹5 lakh.
- Citizenship: The card is available exclusively to Indian citizens.
- Credit History: Applicants undergo internal policy and credit bureau checks. A strong credit score approval chances.
- Documentation: documents include a valid PAN card, Aadhaar card, and proof of income.
Meeting these specific eligibility requirements is for a successful BYOC Credit Card application.
Contact YES Bank for BYOC Card
For inquiries regarding the YES Bank BYOC Credit Card in 2026, customers can reach out through dedicated toll-free numbers and email support. YES Bank aims to deliver new BYOC cards within 3-4 weeks from the application date.
| Resource | Type | Details |
|---|---|---|
| Toll-Free Number | Credit Card Queries | 1800 103 6000 |
| Toll-Free Number | Credit Card Queries | 1800 103 1212 (for reward redemption) |
| Customer Care Number | Mobile/Landline (India & NRI) | +91 22 4935 0000 |
| Credit Card Queries | yestouchcc@yesbank.in | |
| Official Website | Application & Product Information | yes.bank.in |
| Complaint Resolution Time | Before Banking Ombudsman Escalation | 30 days |
| Card Delivery Time | From Application to Delivery | 3-4 weeks |
These contact channels help assistance for application status, card features, and general credit card inquiries.
Key Takeaways
- YES Bank offers multiple contact points including toll-free numbers and email for BYOC Credit Card inquiries.
- New BYOC Credit Cards are typically delivered within 3-4 weeks after application submission.
- Customers can escalate unresolved complaints to the Banking Ombudsman if not addressed within 30 days.
For immediate assistance or to apply, visit the official YES Bank website or contact their customer care numbers.
Frequently Asked Questions (FAQs)
What does BYOC stand for in the YES Bank BYOC Credit Card?
BYOC stands for ‘Build Your Own Card’. This YES Bank credit card allows you to customize its features, design, and benefits to align with your personal spending habits and lifestyle preferences. You can choose the card material, image, and specific cashback or reward categories.
What are the eligibility criteria for the YES Bank BYOC Credit Card?
To apply for the YES Bank BYOC Credit Card, you must be an Indian citizen with a consistent income source. Salaried applicants need a minimum monthly income of ₹25,000, while self-employed individuals must file an ITR of at least ₹5 lakh. Add-on cardholders must be 18 years or older.
What are the joining and annual fees for the YES Bank BYOC Credit Card?
The YES Bank BYOC Credit Card has a joining fee of ₹249 plus GST. The annual fee structure may vary based on the chosen customization plan and card variant (Plastic, Eco-friendly, or Metal), so verify the exact annual fee with YES Bank directly as of 2026.
Can I get complimentary lounge access with the YES Bank BYOC Credit Card?
Yes, the YES Bank BYOC Credit Card offers complimentary access to airport lounges within India. Cardholders typically receive 4 free visits per year, with a maximum of one visit per quarter. This benefit is subject to the specific plan chosen during card customization.
What kind of customization options are available for the YES Bank BYOC Credit Card?
The YES Bank BYOC Credit Card offers extensive customization, including the card’s material (Plastic, Eco-friendly, or Metal) and the image displayed on IT. You can also select specific merchant categories for cashback or reward points, tailoring the benefits to your spending patterns.
Are there any golf benefits with the YES Bank BYOC Credit Card?
YES Bank BYOC Credit Cardholders receive complimentary access to golf games up to 4 times annually. , you can avail one complimentary golf lesson each calendar month. These benefits the card’s value for those with an interest in golf.
How do I apply for the YES Bank BYOC Credit Card?
You can apply for the YES Bank BYOC Credit Card online through the YES Bank website. To the ‘Apply for Credit Card’ section, select the BYOC option, and follow the steps to customize your card and submit your application. You can also visit a YES Bank branch.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.