YES Bank BYOC Credit Card, Cashback
Yes Bank · Open to apply
A build-your-own card on a monthly perk fee: 1% cashback on most spends (capped ₹1,000 a statement) for ₹99 a month, one domestic lounge visit a quarter, and an optional paid plan for 10% cashback at merchants you pick.
- Annual fee
- ₹1,188 + GST a year
- Joining fee
- None
- Base rate
- 1% cashback on all other spends: 1% cashback (about 1% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on rent, wallet loads, utilities, fuel, government, marketing, cash withdrawals and EMI
Where the sources disagree
- cashback cap and exclusions: The page FAQ says cashback is earned on all spends except rental and fuel; the glossary and MITC clause 13 also exclude wallet and utility spends, and the MITC caps cashback at ₹1,000 a statement cycle. We use the glossary and MITC.
Terms the calculator does not value
- The page's glossary b (effective 15 Jun 2026) adds insurance, education, railways, toll, ferry and jewellery to the spends that earn nothing, but it is worded for the rewards core benefit (it carries the BYOC Rewards utility cap) and the cashback glossary a does not list them; they are not excluded here. If they apply to cashback too, the card is slightly overvalued on those spends.
- The subscription plan's merchant cashback is a paid feature the holder switches on (₹99 to ₹249 a month for 2 to 5 merchants, 10% up to ₹100 per merchant per statement cycle, ₹500 in all, posted a statement later); it is not an always-on rate, so it is in benefits and not in the earn rules.
- A limited-time banner on the page offers a ₹500 Amazon voucher on spending ₹1,000 within 30 days of applying through the page; its conditions are in a separate offer document that was not read.
- The perk fee is charged monthly; cashback is credited a statement later. Eco-friendly and metal cards pay a one-time fee that is not in the yearly fee above.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, BYOC Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)