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About Card

Yes Bank EMI Credit Card

Yes Bank recently introduced The BYOC credit card, which stands for "Build Your Own Card," has three different variants and a variety of fee charges. It is quite similar to the LIT credit card from the Au Small Finance Bank, and YES Bank appears to be directly competing with it with the BYOC credit card. In addition to offering appealing reward rates, the BYOC credit card also offers a wide range of additional privileges in a variety of categories, such as travel, golf, and more. Keep reading the article for more information about the YES Bank BYOC Credit Card in full, including its features and fees & charges:


1st Year Fee


Best Suited For


₹ 49+ taxes

₹ 249 ( For Eco Freindly)

₹ 3499 ( For Metal Card)

Reward Point | Cash Back


What you'll love

  • a credit card that can be totally personalised.
  • Cardholders can select either cashback or rewards.
  • On every Rs. 200 spent, you receive 1% cash back or 8 reward points.
  • For expedited cash back on the retailers of your choice, you can select a cashback plan.
  • Free entrance to the airport lounge.
  • Free rounds of golf each month.
  • On every fuel transaction, there is a 1% fuel surcharge waiver.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Wellness Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹7.5 Lakhs per annum

You'll also love

Reward Benefit

  • On every retail purchase of Rs. 200, you can get 1% cash back or 8 reward points (you can select rewards or cashback).

Reward Redemptions: 

  • Through the YesRewardz portal, the Reward Points can be exchanged for a range of options starting at Re. 0.25 per Reward Point.

Welcome Benefit

  • N/A

Travel Benefit

  • You can get complimentary airport lounge access every quarter.

Golf Benefit

  • Four times a year, golf games are free to YES Bank BYOC Credit Card customers. also, you are entitled to one complimentary golf lesson each month.

Lounge Access Benefit

  • You Can get 1 complimentary domestic lounge access every quarter.

Insurance cover Benefit

  • N/A

Fuel Surcharge waiver Benefit

  • 1% fuel surcharge waiver at all fuel stations in India

Zero Liability Protection

  • In the event that the loss has been promptly notified to the bank, the cardholders will not be held responsible for any fraudulent activities.

Why Should You Choose This Card?

The BYOC Credit Card, which is completely customisable, was developed by the YES Bank in consideration of the fact that different people may have varied needs and spending patterns. It is an excellent choice for individuals who want a basic card with a low membership cost as well as for those who want a premium metal card. Cardholders have the choice to select their preferred rewards programme in addition to the physical kind of their credit card. Some of the fantastic extra benefits of this card are free golf rounds, lounge access, and other things. So, you must check the YES BYOC Credit Card once regardless of whether you want a basic rewards card or a premium cashback credit card.


For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

For Self Employed

  • Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹7.5 Lakhs per annum

Fees and Charges on the Yes Bank Wellness Credit Card

Fees & Charges


Joining & Renewal Fees

Based On Card Varient

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Foreign Exchange Markup

3.5% on all international spend

Finance Charges/Cash Advance Fee

3.40% of the amount

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Below  or equal to Rs. 100- Nil
  • From Rs. 101 to Rs. 500- Rs. 150
  • From Rs. 501 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 20,000- Rs. 750
  • Above Rs. 20,000- Rs. 1,000

Add On Card Fee


Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

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FAQs on Yes Premia Credit Card

  • The YES Bank BYOC Credit Card has an annual charge of Rs. 49 plus any applicable taxes for the basic version, Rs. 3,499 (for the metal version), and Rs. 249 (for the premium version) (for the eco-friendly variant).

  • Absolutely, you can decide whether to get cash back or reward points based on your preferences. You receive 1% cashback on all purchases if you pick cash back, and 8 reward points for every Rs. 200 you spend if you choose reward points.

  • For this Card, Salary required minimum net take home is 25000,and for self employed person ITR should be 7.5lac per annum.

  • Unfortunately, Yes Bank does not waive the annual fee for credit cards issued to BYOC users.