YES Bank BYOC (Build Your Own Card) Credit Card Review
The YES Bank BYOC is a genuinely flexible card: you build it to your taste, choosing the material, design, whether you earn cashback or reward points, and which brands give you 10% back. That customisation is its selling point. Here is the verified review.
- Fully customisable — material, design, rewards, brands
- 10% cashback on your chosen brands
- Choice of 1% cashback or 8 RP per ₹200
- Quarterly domestic lounge access
- 25% off BookMyShow; fuel surcharge waiver
- Eco-friendly and metal options
- 10% cashback and lounge come with caps/spend conditions
- Metal variant has a ₹3,499 fee
- Value depends on configuring it well
- Lounge needs ₹50,000 prior-quarter spend
- Movie cap ₹250/month; fuel cap ₹125/month
Variants & rewards
| Item | Detail |
|---|---|
| Material options | Plastic / Eco-friendly (₹249) / Metal (₹3,499) |
| Reward choice | 1% cashback on retail OR 8 RP per ₹200 |
| Chosen brands | 10% cashback via paid plan (Silver 2 / Gold 3 / Platinum all 5 of Swiggy, Uber, PharmEasy, BigBasket, BookMyShow), max ₹100 per merchant per cycle |
| Lounge | 1 domestic/quarter (₹50,000 prior-quarter spend) |
| Movies | 25% off BookMyShow (up to ₹250/month) |
| Fuel surcharge waiver | 1% (₹500–₹3,000, cap ₹125 per statement cycle) |
Eligibility & documents
Age
21 to 60 years
Income
₹25,000/month or ₹7.5 lakh ITR
Recommended CIBIL
~730+
Network
Visa
Plans
Silver / Gold / Platinum
Documents
PAN, Aadhaar, income & address proof
The real value
BYOC’s strength is tailoring: choose 10% cashback on the brands you actually use (Swiggy, BigBasket, Uber, etc.), pick cashback or points depending on your style, and even select the card material. Configured well, it can return strong value on your top categories; configured carelessly, it’s average. The lounge, movie and fuel perks are useful but capped, so read the conditions and set the card up around your real spending.
Who this card is for
- Best fit: people who want a card tailored to their exact spending and brands.
- Skip if: you prefer a simple flat-rate card or won’t bother configuring it.
How to apply & how to cancel
Apply: via yes.bank.in; configure material, rewards and brands during setup. Cancel: call YES Bank customer care after clearing dues; redeem rewards first.
Final verdict
The YES Bank BYOC is a clever, flexible card — pick your material, rewards style and 10% brands to match how you spend. Set up thoughtfully it delivers strong category value with handy lounge and movie perks; the metal variant’s ₹3,499 fee and the various caps mean it pays to configure (and use) it deliberately.
Frequently asked questions
What can I customise?
The card material (plastic, eco-friendly or metal), the design, your reward type (cashback or points) and the brands where you earn 10% cashback.
How much does it cost?
One-time card fee: regular plastic nil, eco-friendly ₹249, metal ₹3,499; plus a monthly fee of ₹99 (Cashback) or ₹49 (Rewards) and an optional ₹99/₹149/₹249 merchant plan (all + GST). Confirm current fees with YES Bank.
Which brands give 10% cashback?
A selectable list including BookMyShow, Swiggy, PharmEasy, Uber and BigBasket.
Does it offer lounge access?
Yes — 1 domestic lounge visit per quarter, subject to ₹50,000 spend in the previous quarter.
Data current as of October 2026, cross-checked against YES Bank official information. Confirm current fees and terms on yes.bank.in before applying.