YES Bank BYOC Credit Card 2025
Build Your Own Card
10% Cashback on Chosen Merchants
1 Lounge/Quarter
₹500 Welcome Voucher
Save over ₹25,000+ every year with custom 10% cashback + personalization!
Ultimate customizable! YES BYOC lets you build your card – choose metal/plastic, image, rewards (cashback/points), merchants for 10% back, + lounge + EMI.
Tailored to your spends!
Why Choose YES BYOC in 2025?
Custom design • 10% merchant cashback • Lounge quarterly • NFC contactless • Monthly plans
Best for: Personalizers, targeted shoppers, flexible users
Card At a Glance
Monthly Fee
₹49 + GST
₹49 + GST
Custom Fee
₹0-3,499
₹0-3,499
Reward Rate
1% Cashback or 4 RP/₹200
1% Cashback or 4 RP/₹200
Cashback
10% on Selected Merchants
10% on Selected Merchants
Lounge Access
1/Quarter
1/Quarter
Forex Markup
2%
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Monthly Fee | ₹49 + GST (perks) |
| Custom Plastic | ₹0 (plastic) to ₹3,499 (metal) |
| Welcome Benefit | ₹500 Amazon on ₹1K |
| Rewards Fee | ₹99 redemption |
| Foreign Markup | 2% + GST |
| Interest Rate | 3.5% per month |
| Fuel Waiver | 1% max ₹250 |
| Cash Advance | 2.5% |
Detailed Reward Rates (2025)
- Choose: 1% cashback all or 8 RP/₹200
- 10% cashback on up to 5 merchants (plans)
- No expiry
- Redeem vouchers/merch
- Excludes rentals/wallets
Airport Lounge Access
1 complimentary domestic/quarter
Primary only
Guests extra
Insurance & Protection Benefits
- ₹1 Cr accident cover
- Zero fraud liability
- NFC contactless
- Mastercard SecureCode
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Fully customizable | ₹49/month fee |
| 10% targeted cashback | Plan changes cycle |
| Metal option | 3.5% interest |
| Quarterly lounge | Merchant limits |
| Easy EMI | |
| Personal image |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹4.8 Lakh
- Credit Score: 750+
- Documents: PAN, Aadhaar, income
How to Apply Online (5-Minute Process)
- Visit YES BYOC page
- Customize design/perks
- Upload PAN/Aadhaar/income
- Video KYC
- Custom card in 10 days
Final Verdict – Should You Get It in 2025?
Most flexible card! Custom 10% cashback + design = ₹25K+ value. Game-changer for personalized spends!
Frequently Asked Questions (FAQs)
Custom cashback?
Yes! 10% on chosen merchants.
Metal available?
Yes! ₹3,499 one-time.
Lounge per quarter?
Yes! 1 domestic free.
Monthly fee?
Yes, ₹49 for perks.
Change plans?
Yes, next cycle.