YES Bank BYOC Credit Card – The Ultimate Credit Card Your Way for Your Lifestyle

Introduction

Credit cards have now turned into a financial asset with numerous benefits like cashback, reward points, discounts and lifestyle benefits to name a few. With increasing market of credit cards, Costumers call for customized products that address their unique taste and demand. Introducing the YES Bank Build Your Own Card Credit Card, the first-of-its-kind card that gives you complete control of your card and tailor makes it to your lifestyle and spending habits.

In this detailed article

We will discuss eligibility, fees, benefits and features of the YES Bank BYOC Credit Card for you to decide if it is the right fit for your financial requirements.

What is the YES Bank BYOC Credit Card?

The YES Bank BYOC Credit Card is short for “Build Your Own Card," and it is indeed quite customized for the cardholders. Whether you're in the market for a rewards card, cash back card, or lifestyle card, the BYOC Credit Card allows you to create your own card to match your tastes. With this card, you can customise not only the face and material but also the benefits that are most important to you.

This card is more than just a credit card: it allows you to design your own rewards program and choose the types of perks you want to enjoy. Here is a detailed look at how you can make the most of your spend using YES Bank BYOC Credit Card:

Salient Features of YES Bank Bring Your Own Card Credit Card

Customizable Design

What is the USP of YES Bank BYOC Credit Card? One of the most unique feature of the YES Bank BYOC Credit Card is its ability to get it customised. Here’s how to make the card your own:

• Material of Card: You can select from card materials made of plastic, eco or metal cards.
  
  
• Card Design: You can also customize the design of the card by choosing an image from the company’s pre-uploaded gallery or by uploading your own design.
  
  
• The card network: It is up to the cardholder to decide between Visa or Mastercard.
  
  

Flexible Reward System

Select your reward system based on how much you spend with the YES Bank BYOC Credit Card:

• Cashback Option: 1% cashback on every purchase
  
  
• Reward Points Option: 8 Reward Points for every ₹200 spent
  
  
• Flexible Rewards: Choose between cashback or rewards and customise based on your evolving spend.
  
  

Merchant-Specific Cashback

The YES Bank BYOC Credit Card comes with a merchant-specific cashback choice to increase your savings. Enjoy 10% cashback at:

• BookMyShow
  
  
• Swiggy
  
  
• PharmEasy
  
  
• Uber
  
  
• BigBasket
  
  

Lifestyle and Travel Benefits

• Domestic Lounge Access: 1 complimentary domestic lounge visit per quarter
  
  
• Golf Benefits: 4 complimentary rounds annually + 1 golf lesson per year
  
  
• Discounted Travel Perks: Access to discounts on flights, hotels, and travel bookings
  
  

Financial Flexibility

One of the biggest pros of the YES Bank BYOC Credit Card is the convenience it offers in handling your funds:

• Instant EMI: Available from 3 to 36 months
  
  
• EMI on Call: Convert high-value purchases into EMIs
  
  
• Quick Loan Facility: Loan against credit limit
  
  
• Flexipay: Convert spends above ₹2,500 into EMIs
  
  

Security and Control

Your security is an utmost priority with YES Bank BYOC Credit Card:

• Tap to pay: NFC contactless payment
  
  
• Card Control: Block/unblock card, set limits via YES Bank portal
  
  
• Secure Online Transactions: Verified by VISA and Mastercard Securecode enabled
  
  

Fees and Charges

• Cost to Join: ₹249 (Eco), ₹3,499 (Metal)
  
  
• Monthly Subscription: ₹99 (Silver), ₹149 (Gold), ₹249 (Platinum)
  
  
• Card Perk Fee: ₹99 (Cashback), ₹49 (Rewards)
  
  
• Foreign Currency Mark-up: 3.5%
  
  
• Fuel Surcharge: 1% on ₹400–₹5,000 (max ₹125/month)
  
  

Eligibility Criteria

To qualify for the YES Bank BYOC Credit Card:

• Age: 21–60 years
  
  
• Income (Salaried): ₹25,000/month
  
  
• Income (Self-employed): ₹7.5 lakh/annum
  
  
• Credit Score: Must be excellent
  
  

Why opt the YES Bank BYOC Credit Card?

The YES Bank BYOC Credit Card is unique due to its customizability. Whether it is cashback, rewards, travel privileges, or lifestyle benefits, this card provides with the option of choosing features that suit your spending pattern the most.

In contrast to old credit cards, which lock you in with preset reward schemes and benefits, the YES Bank BYOC Credit Card is meant for you to fit into any space.

Final Thoughts

YES Bank BYOC Credit Card The revolutionary YES Bank BYOC Credit Card Team Imbue is the new pioneer of the financial industry. It has a lot to offer in that it’s a unique blend of customizability, rewards, lifestyle benefits, and financial flexibility, making it a compelling choice for anyone seeking to tailor their credit card experience.

Whether you're a cashback lover, a traveler by heart, or a golf fan, the YES Bank BYOC Credit Card has something to offer for everyone. So if you think a credit card that exactly matches your habits is worth it, then this card might make a lot of sense.

Given the competitive advantages, modest fee and versatile features, the YES Bank BYOC Credit Card is your best choice to keep things simple on your finances and high on premium living.