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Yes Bank
BYOC

Yes Bank BYOC

Customizable rewards card with your choice of 1% cashback or 4 points per ₹100 spent, domestic lounge access, and monthly fees from ₹49.

first-timersfees-freelifestyle

Last reviewed 26 July 2026

Fees

Joining fee

₹249

Annual fee

₹588

Waiver: No spend-based waiver exists. The card fee is billed monthly (₹49+GST/month on the Rewards earn-plan; ₹99+GST/month on the Cashback earn-plan) rather than as a single annual charge, and is not waivable on either plan.

Eligibility

Min. monthly income: ₹25,000

Age: 21–60 yrs

Employment: salaried, self employed

Rewards

all other4x points

Welcome benefits

  • • Free Amazon voucher worth ₹500 on spending ₹1,000 within the first 30 days of card issuance

Perks

  • ✓Domestic lounge access: 4/yrOne complimentary domestic airport lounge visit per quarter, primary cardholder only
  • ✓Fuel surcharge waiver: 1%Applicable on fuel transactions between ₹400 and ₹5,000 at any fuel station nationwide
  • ✓Forex markup: 3.5%
  • ✓Complimentary Mastercard World Golf Program membership; aggregator sources also cite 4 complimentary golf rounds per year plus a monthly lesson, not independently confirmed on an official page
  • ✓Customizable card: choose the earn program (1% cashback or 8 Reward Points per ₹200 spent, i.e. 4 points/₹100 — reward points exclude fuel), physical material (Eco-Friendly ₹249 one-time or Metal ₹3,499 one-time), and card image (₹149 one-time personalization)
  • ✓Optional accelerated add-on earn plans (Silver ₹99, Gold ₹149, Platinum ₹249, one-time/recurring per aggregator listing) boost rewards on select merchants such as Swiggy, Uber, PharmEasy, BookMyShow, and BigBasket
  • ✓Reward Points redeemable via the YesRewardz portal at up to ₹0.25 per point
  • ✓Instant EMI conversion and contactless payments

Common questions

What is the annual fee on the Yes Bank BYOC?
The joining fee is ₹249. The annual fee is ₹588. No spend-based waiver exists. The card fee is billed monthly (₹49+GST/month on the Rewards earn-plan; ₹99+GST/month on the Cashback earn-plan) rather than as a single annual charge, and is not waivable on either plan.
What are the reward rates on the Yes Bank BYOC?
Yes Bank BYOC earns 4x points on all other spends.
Does the Yes Bank BYOC offer airport lounge access?
Yes: 4 domestic lounge visits per year (One complimentary domestic airport lounge visit per quarter, primary cardholder only).
Who is eligible for the Yes Bank BYOC?
Applicants typically need a minimum monthly income of ₹25,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Yes Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
4x points
Estimated annual value—
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