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▾Yes Bank BYOC Credit Card Review
Best for: Users wanting to choose from multiple accelerator categories (dining, fuel, grocery, online, travel) that actually match their spend.
- Customise the card via core benefit (Cashback or Rewards) + Silver/Gold/Platinum subscription plan
- Pay only for the perks you actually use; deactivate plans any time
- Welcome FREE Amazon voucher worth ₹500 on ₹1,000 spend within first 30 days
- Choice of regular, eco-friendly (bio-degradable) or metal card material
- Changing category takes 30 days to activate
- Redemption value at ₹0.25-0.50
- Category cap each month
- Forex 3.5%
Fees & charges
| Item | Charge |
|---|---|
| One-time card fee (eco-friendly) | ₹249 + taxes (charged in first statement) |
| One-time card fee (metal) | ₹3,499 + taxes (charged in first statement) |
| Core benefit: BYOC Cashback | ₹99/month + taxes (₹49/mo for cards onboarded before 1 Oct 2023) |
| Core benefit: BYOC Rewards | ₹49/month + taxes |
| Subscription plan: Silver / Gold / Platinum | ₹99 / ₹149 / ₹249 per month |
| Re-issuance fee | ₹100 (regular) / ₹349 (bio-degradable) / ₹3,599 (metal) + GST |
| Finance charge (revolving + cash + overdue) | 3.99% p.m. (47.88% p.a.) |
| Forex markup | 3.5% (verify in current MITC) |
Rewards structure
BYOC uses a two-layer subscription model rather than a single fixed reward rate. You first pick a Core Benefit: BYOC Cashback (₹99/mo) gives cashback on chosen accelerator merchants, or BYOC Rewards (₹49/mo) gives YES Rewardz Points instead. You can layer a Silver / Gold / Platinum Subscription Plan on top for additional merchant perks. Cashback / rewards are capped per merchant per cycle (typically ₹100/merchant/cycle on the cashback variant — refer MITC). Plans and merchants can be changed via the YES Bank app. Effective return depends on your specific merchant mix and selected plan; always model it against your actual spend before subscribing.
Key benefits
- Modular: combine BYOC Cashback (₹99/mo) or BYOC Rewards (₹49/mo) with Silver / Gold / Platinum plan
- Welcome ₹500 Amazon voucher on ₹1,000 spend within first 30 days
- Choice of card material (regular, bio-degradable, metal) at differing one-time fees
- Plans are pay-as-you-use — deactivate when you don’t need them
- Optional virtual RuPay variant available as add-on for existing Mastercard/Visa holders
- Fuel surcharge waiver (refer MITC for transaction band & cap)
Who the Yes Bank BYOC is for
Anyone whose spend is predictable in 2 categories. Customisation works — set dining + online if you're a city dweller, or fuel + grocery if you're a commuter-with-family.
Final verdict
Best customisable card at this fee. Better than ICICI Expressions (only 1 category) and more flexible than AU LIT (which charges per feature). Strong mid-tier value.
FAQ
Can I change categories within the same year?
Yes — 2 changes per anniversary year allowed. Each change takes 30 days to activate.
What if I spend in a non-selected category?
Earns base 2% (1% effective). Only selected categories earn 5×.
Does travel category include bookings on any platform?
Travel category covers airlines, OTAs and hotels via card MCC codes. Not specific to any OTA.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.