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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.3% | 0.7% | 0.9% | 0.9% | 1.0% |
| Est. Monthly Reward (₹) | 15 | 65 | 170 | 465 | 970 |
| All-India Rewards Rank* | 122 | 90 | 105 | 149 | 137 |
| Within Bank Rank* | 4 | 4 | 5 | 6 | 6 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The YES Bank BYOC Credit Card is a customizable credit card. Apart from choosing the material the card is made of and the image on the card face, you can also choose to take your rewards in the form of points or cashback.
In either case you earn 1% on all your spending, with no caps. Overall, we estimate you can earn a net reward yield of 0.3-1% on all spending with this card in a month.
The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.
You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.
If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | YES Bank BYOC Credit Card |
|---|---|
| Card Type | Reward or Cashback |
| Reward or Cashback Features | 8 Reward Points / ₹200 on all spends
or 1% Cashback on all spends |
| Milestone Rewards | Nil |
| Other Rewards | – 1 Complimentary Domestic Airport Lounge Visits / Qtr.
– 4 Complimentary Golf Games / Year |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem on YES Rewardz Portal
1RP = ₹0.25 |
| Card | YES Bank BYOC Credit Card | |
|---|---|---|
| Joining Fee | ₹249 + Taxes | |
| Annual Fee | ₹49 + Taxes ( Monthly) | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹25,000 |
| Self-employed | ITR>₹5 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% p.a. | |
| Foreign Currency Markup | 3.40% | |
| Cash Advance Charge | 2.50% with a minimum of ₹300 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
