{"id":84503,"date":"2026-02-13T13:43:21","date_gmt":"2026-02-13T08:13:21","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84503"},"modified":"2026-02-13T13:43:25","modified_gmt":"2026-02-13T08:13:25","slug":"yes-bank-byoc-credit-card-features-benefits-fees-charges","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/yes-bank-byoc-credit-card-features-benefits-fees-charges\/","title":{"rendered":"YES Bank BYOC Credit Card &#8211; Features, Benefits, Fees &amp; Charges"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fully customisable credit card with design and reward choice.<\/li>\n\n\n\n<li>Choose 1% cashback or 8 Rewardz Points per \u20b9200.<\/li>\n\n\n\n<li>Earn 10% cashback on selected merchants per plan.<\/li>\n\n\n\n<li>Free Amazon voucher worth \u20b9500 on \u20b91,000 spend.<\/li>\n\n\n\n<li>Complimentary lounge access and ET Prime membership.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>YES Bank Build Your Own (BYOC) Credit Card brings full control to your wallet. It is a highly customisable credit card that allows you to tailor both its physical appearance and its reward structure to match your lifestyle.<\/p>\n\n\n\n<p>You choose the card design, rewards, cashback options, and preferred merchants. The YES Bank BYOC Credit Card fits daily spending across shopping, dining, and travel.<\/p>\n\n\n\n<p>New users also receive a free Amazon voucher worth \u20b9500 on spending \u20b91,000 within the first 30 days. Let us explore more about how this card truly reflects your choices.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#customising-your-yes-bank-byoc-credit-card\">Customising Your YES Bank BYOC Credit Card<\/a><\/li><li><a href=\"#yes-bank-byoc-credit-card-benefits\">YES Bank BYOC Credit Card Benefits<\/a><\/li><li><a href=\"#byoc-yes-bank-credit-card-charges\">BYOC YES Bank Credit Card Charges<\/a><\/li><li><a href=\"#yes-bank-byoc-credit-card-eligibility\">YES Bank BYOC Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"customising-your-yes-bank-byoc-credit-card\"><strong>Customising Your YES Bank BYOC Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"466\" height=\"297\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-bank-byoc-credit-card.webp\" alt=\"YES Bank BYOC Credit Card\" class=\"wp-image-84564 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-bank-byoc-credit-card.webp 466w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-bank-byoc-credit-card-300x191.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/yes-bank-byoc-credit-card-150x96.webp 150w\" sizes=\"auto, (max-width: 466px) 100vw, 466px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>BYOC lets you design a card that matches your needs and spending habits.<\/p>\n<\/div><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choose Your Card Style<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Select card material from plastic, eco-friendly, or metal.<\/li>\n\n\n\n<li>Pick a card image from the preloaded image gallery.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Select Your Reward Preference<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose 1% cashback on all transactions.<\/li>\n\n\n\n<li>Or earn 8 YES Rewardz Points for every \u20b9200 spent.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Build Your Merchant Plan<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pick merchants where you want higher cashback.<\/li>\n\n\n\n<li>Change merchant plans every month based on needs.<\/li>\n\n\n\n<li>Earn 10% cashback under selected plans.<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Plan Options<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Silver plan at \u20b999 + GST.<\/li>\n\n\n\n<li>Gold plan at \u20b9149 + GST.<\/li>\n\n\n\n<li>Platinum plan at \u20b9249 + GST.<\/li>\n<\/ul>\n\n\n\n<p>Cashback capped at \u20b9100 per merchant per statement cycle. Eligible brands include BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket. You can redeem reward points through the YES Rewardz catalogue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-byoc-credit-card-benefits\"><strong>YES Bank BYOC Credit Card Benefits<\/strong><\/h2>\n\n\n\n<p>The YES Bank BYOC Credit Card combines lifestyle access and protection benefits.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lifestyle and Travel Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complimentary <a href=\"https:\/\/buy.indiatimes.com\/ET\/plans?featureCode=ETARTICLES?acqSource=Google_Paid_Marketing&amp;acqSubSource=NewAcquisition&amp;utm_source=Google&amp;utm_medium=cpc&amp;utm_campaign=ET-Google-Search-Brand-CPA-Purchase-Jan25_CG&amp;utm_id=22119412026&amp;utm_term=newacq&amp;utm_content=LP_Test&amp;gad_source=1&amp;gad_campaignid=22899005254&amp;gbraid=0AAAAADxgajjdrRlDWoAGyqk8Um02SWRaj&amp;gclid=EAIaIQobChMI5Pu2kqH-kQMV9i97Bx2jijeMEAAYASAAEgKJzfD_BwE\" target=\"_blank\" rel=\"noopener\">ET Prime membership<\/a> on first anniversary.<\/li>\n\n\n\n<li>1 free domestic airport lounge visit per quarter for the primary cardmember.<\/li>\n\n\n\n<li>1% fuel surcharge waiver applies on spends between \u20b9400- \u20b95,000.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Security and Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contactless payments with NFC technology.<\/li>\n\n\n\n<li>Secure online transactions via Mastercard SecureCode.<\/li>\n\n\n\n<li>Credit shield insurance covers of \u20b92.5 lakh for accidental death.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"byoc-yes-bank-credit-card-charges\"><strong>BYOC YES Bank Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Membership Fees<\/strong><\/td><td><strong>Regular Card<\/strong><\/td><td><strong>Eco-Friendly Card<\/strong><\/td><td><strong>Metal Card<\/strong><\/td><\/tr><tr><td><strong>One-Time Card Fee<\/strong><\/td><td>NIL<\/td><td>\u20b9249<\/td><td>\u20b93499<\/td><\/tr><tr><td><strong>Monthly Fee (Cashback)<\/strong><\/td><td>\u20b999<\/td><td>\u20b999<\/td><td>\u20b999<\/td><\/tr><tr><td><strong>Monthly Fee (Reward)<\/strong><\/td><td>\u20b949<\/td><td>\u20b949<\/td><td>\u20b949<\/td><\/tr><tr><td><strong>Re-Issuance<\/strong><\/td><td>\u20b9100<\/td><td>\u20b9349<\/td><td>\u20b93599<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Other Important Charges of YES BYOC Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td><strong>Interest Charges<\/strong><\/td><td>3.99% (monthly); 47.88% (per annum)<\/td><\/tr><tr><td><strong>Cash Advance Fee<\/strong><\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td><strong>Late Payment Charges:<\/strong>\u20b9500Above \u20b9500<\/td><td>Nil10% or \u20b91,350 (whichever is lower)<\/td><\/tr><tr><td><strong>Cheque Dishonour Fee<\/strong><\/td><td>\u20b9450<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yes-bank-byoc-credit-card-eligibility\"><strong>YES Bank BYOC Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Applicants must fall between 21 and 60 years of age. Both salaried and self-employed individuals can apply. A minimum monthly income of \u20b925,000 or an ITR of \u20b97.5 lakhs is required.<\/p>\n\n\n\n<p>Existing YES Bank credit cardholders do not qualify for this card. Mastercard or Visa holders may request a virtual RuPay variant, which will be subject to eligibility. There is no eligibility threshold to use the Pice App. All you need is a phone! <\/p>\n\n\n\n<p>\ud83d\udca1Download <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> TODAY to manage your BYOC Credit Card with ease. Set Payment reminders, pay your credit card bills and track payment status on the go.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Cashback for BYOC Cashback Cards caps at \u20b91,000 per statement cycle.<\/li>\n\n\n\n<li>Utility spends on BYOC Rewards Cards earn points up to 600 per statement cycle.<\/li>\n\n\n\n<li>Fuel surcharge waiver caps at \u20b9125 per statement cycle. Only the surcharge waives; GST applies.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1768488197194\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I change the card image after issue?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The front image selection locks at the time of card issuance. Once issued, the image cannot be modified.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768488233768\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I switch my BYOC subscription plan later?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can change the plan anytime. The updated plan applies from the next statement cycle with charges aligned to that cycle.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768488248553\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How to book YES Bank BYOC Credit Card lounge access?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Visit the Lounge One booking page. Select airport and lounge, sign in, choose your card, enter your guest details, and scan the QR code at entry<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768488328786\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the YES Bank BYOC Credit Card limit?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>YES Bank sets the credit and cash limits at its discretion. Add-on cards share the primary limit. Available limits are conveyed during card delivery and also appear on monthly statements.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1768488364737\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How to apply for YES BYOC Online?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Submit basic details, check eligibility, apply online, and complete KYC. The process can be smoothly completed digitally.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways YES Bank Build Your Own (BYOC) Credit Card brings full control to your wallet. It is a highly customisable credit card that allows you to tailor both its physical appearance and its reward structure to match your lifestyle. You choose the card design, rewards, cashback options, and preferred merchants. The YES Bank BYOC [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85199,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84503"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84503\/revisions"}],"predecessor-version":[{"id":85200,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84503\/revisions\/85200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85199"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}