YES Bank BYOC (Build Your Own Card)
YES Bank BYOC introduces modular customization to credit cards. Spenders can configure their own product by choosing between reward points and direct monthly statement cashback, selecting preferred accelerated merchant packs (e.g., 10% on Swiggy or Uber), and picking custom card body designs.
Why We Recommend The YES Bank BYOC (Build Your Own Card)
A flexible, customizable card concept where you pay for the perks and merchant discounts you use most.
Users who want to customize their cashback categories rather than accepting a standard bank rewards structure.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the YES Bank BYOC (Build Your Own Card)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for YES Bank BYOC (Build Your Own Card)
Zero hidden costs. Complete fee schedule verified with YES Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the YES Bank BYOC (Build Your Own Card)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Customizable (Add-on lounge package toggleable on demand)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes YES Bank BYOC (Build Your Own Card) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Select your own cashback percentage and preferred brands during application.
Personalized metal or plastic card body with custom printed artwork.
Choose between reward points or direct monthly statement cashback.
Pros & Cons of the YES Bank BYOC (Build Your Own Card)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Allows picking categories you actually spend on (e.g., 10% on food and rides).
- Option to choose direct statement cashback rather than points.
- Custom physical design and branding options.
Things to Consider (Cons)
- Higher cashback rates carry higher monthly or annual package subscription fees.
- Selected feature packs require active tracking to maintain positive ROI.
- Standard forex fee applies unless premium package is activated.
Who Can Apply for the YES Bank BYOC (Build Your Own Card)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from YES Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About YES Bank BYOC (Build Your Own Card)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from YES Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
YES ACE Credit Card
An approachable starter card designed for early-career professionals and students entering the formal credit system. It accelerates rewards on e-commerce transactions, carries no redemption fees on its reward points, and provides an accessible annual fee waiver threshold of just ₹50,000.
YES ELITE+ Credit Card
A well-rounded mid-tier product designed for corporate executives, the YES ELITE+ Credit Card offers 12 domestic and 2 international Priority Pass airport lounge visits annually. It pairs up to ₹500 in monthly BookMyShow ticket discounts with a subsidized 2.50% foreign exchange markup.
YES Bank EMI Credit Card
A structured financing card designed to prevent accidental debt accumulation. All retail transactions crossing ₹2,500 automatically split into structured, low-interest 3, 6, or 9-month installments without requiring manual requests or conversion processing fees.
Ready to Apply for the YES Bank BYOC (Build Your Own Card)?
Check your pre-approved credit limit and instant approval eligibility across YES Bank with 100% paperless verification and zero score impact.