Following are the key highlights of the YES Bank BYOC credit card:

The following are the main YES Bank BYOC credit card benefits and features:

Welcome Benefit

• Get a FREE Amazon voucher worth Rs. 500.
• Offer available on spending at least Rs. 1000 within the first 30 days.

Airport Lounge Access

• Get 1 complimentary visit to select domestic airport lounges.
• YES Bank BYOC credit card lounge access offer available to 1 visit per quarter for the primary card member.
• Offer available for select lounges in New Delhi, Ahmedabad, Amritsar, Bangalore, Bhopal, Chandigarh, Chennai, Cochin, Coimbatore, Dehradun, Goa, Guwahati, Hyderabad, Mumbai, etc.

Golf Benefits

• 4 green fee waivers per year. 
• 1 golf lesson per year at select golf courses in India.

Insurance

• Credit shield cover of Rs. 2.5 Lakhs. 
• Offer applicable in case of accidental death of primary cardmember.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India. 
• Offer applicable on transactions between Rs. 400 to Rs. 5,000.

Dining Benefit

• Minimum 15% discount on dining at select restaurants. 

Instant EMI Facility

• Pay for your purchases in parts with the Instant EMI service. 
• Convert transactions starting from as low as Rs. 1,500.
• Zero documentation is required.
• 1% processing fee and 14% to 15% p.a. interest rate applicable.
• Flexible tenure options of 3, 6, 9, 12, 18, 24, and 36 months.

Other Benefits

• Personalise your card with an image you love.
• Choose from 1% cashback on all transactions or 8 reward points for every Rs. 200 spent. 
• EMI on Call facility to convert payments into EMI at attractive interest rates.
• Get a loan amount within your card limit to fulfill immediate fund requirements.
• With YES PayNow, pay your bills on time, every month.
• With E-mandate, register standing instructions for your bill payments, subscriptions, insurance payments, and more.
• With the Express Loan facility, get a pre-approved loan at an attractive interest rate on your card without blocking the credit limit.
• Secure online transactions with MasterCard® SecureCode.
• Customise merchant offers as per your needs, change plans monthly, and earn 10% cashback.
• Contactless transaction with NFC-enabled technology.

YES Bank BYOC credit card enables you to select personalized merchant offers and change your plan every month. You can choose any of the offer plans mentioned below:

Earn 10% cash back on any amount spent on BookMyShow, Swiggy, PharmEasy, Uber, and BigBasket (subject to a maximum of Rs. 100 per merchant per statement cycle) as per the selected plan.

One-time fee (chargeable in the first statement):

• Eco-friendly card fee: Rs. 249 + taxes
• Metal card fee: Rs. 3,499 + taxes

Monthly fee (chargeable as per perks & active merchant plans): 

• Card perk (core benefit) fee: Rs. 99 + taxes (Rs. 49 + taxes for cards on-boarded before 1st October 2023) for BYOC Cashback and Rs. 49 + taxes for BYOC Rewards.
• Subscription Plan Fee: Rs. 99 + GST for Silver, Rs. 149 + GST for Gold, and Rs. 249 + GST for Platinum plan.
• Charges for revolving credit, cash advances & overdue amounts: 3.80% per month (45.60% annually).
• Foreign currency mark-up: 3.5%.
• Charges for rental & wallet transactions: Minimum 1% of transaction value or Rs. 1, whichever is higher (effective from 1st November 2023) on all rental & wallet transactions above Rs. 1.

You must meet the following eligibility criteria to avail of the YES Bank BYOC Credit Card:

• The applicant must be aged between 21 and 60 years.
• The applicant must be salaried or self-employed.
• The applicant must be earning a minimum net salary of Rs. 25,000 per month or an Income Tax Return (ITR) of Rs. 7.5 Lakhs and above.

You must furnish the following documents to apply for a YES Bank credit card:

• A copy of PAN Card/ Form 60
• Recent passport-size photographs
• Latest Salary Slip/ ITR as proof of income
• Electricity Bill/ Landline Telephone Bill/ Passport/ Ration Card as address proof
• Aadhaar Card/ Passport/ Driving License/ PAN Card as identity proof

*The above list of documents is indicative. Documents requirements may vary on a case-to-case basis.

To apply for a YES Bank BYOC credit card, follow the steps mentioned below:

• Visit the official website of YES Bank and go to the YES Bank BYOC credit card page.
• Share some basic details to fill out the online application form.
• Check your eligibility for the card.
• Apply for the credit card.
• Complete your KYC.