YES Bank BYOC Credit Card
Card Details
Card Details
- Issuer
- YES Bank
- Card type
- Shopping
- Joining fee
- ₹249 + GST Monthly
- Annual fee
- 0
- Rewards currency
- Reward Points
Highlights
Highlights
- Fully customizable features
- Choose cashback or reward points
- Complimentary lounge access
Welcome benefits
Welcome benefits
- Joining Fee: ₹249 + GST for Eco-Friendly Card and ₹3,499 + GST for Metal Card.
- Monthly Membership Fee: Starting ₹99 + GST.
- Customizable merchant offers available for a monthly subscription.
Reward earning
Reward earning
| Category | Rate |
|---|---|
| Retail Spends | 1% Cashback OR 8 RPs per ₹200 |
| Accelerated Cashback | 10% on select merchants (Silver/Gold/Platinum plans) |
- Silver Plan : ₹99 plus GST (2 merchants out of 5)
- Silver Plan : ₹199 plus GST (3 merchants out of 5)
- Silver Plan : ₹299 plus GST (5 merchants out of 5)
- Merchants – Swiggy, Uber, Pharmeasy, BookMyShow, and BigBasket.
- Merchant cashback capped at ₹100 per merchant per statement cycle.
Lounge access
Lounge access
- 1 complimentary domestic airport lounge access per quarter.
Additional Benefits
Additional Benefits
- 4 complimentary golf games annually and 1 golf lesson monthly.
- 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000.
- Complimentary ET Prime Membership on the first anniversary (subject to variant).
Review
Review
With the customization feature, it may look like this card is powerful but when you do the math it is not that great. Is it a decent card : Yes, is it a great cashback card : No