YES Bank BYOC Credit Card, Rewards
Yes Bank · Open to apply
A build-your-own card on a ₹49 monthly perk fee: 8 YES Rewardz per ₹200 on most spends, one domestic lounge visit a quarter, and an optional paid plan for 10% cashback at merchants you pick.
- Annual fee
- ₹588 + GST a year
- Joining fee
- None
- Base rate
- 8 YES Rewardz per ₹200 on all other spends: 8 YES Rewardz per ₹200 (about 0.4% 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 YES Rewardz on rent, wallet loads, fuel, government, cash withdrawals and EMI
- No YES Rewardz on insurance and education
- No YES Rewardz on railways and ferry
- No YES Rewardz on tolls and jewellery
Where the sources disagree
- reward points cap: The page FAQ says reward points are capped at 600 per statement cycle; the glossary and the MITC put the 600 cap on points earned on utility spends only. We use the glossary and MITC.
Terms the calculator does not value
- The rupee values used for redemption come from YES Bank's redemption rules (₹0.25 on flights and hotels, ₹0.10 statement credit and vouchers). Merchandise and catalogue items are valued at ₹0.10 there and carry monthly caps; points expire after 3 years and each redemption request costs ₹100 + GST.
- 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, Credit Card Redemption Rules (YES Rewardz) (Reward terms, 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)