YES Bank BYOC Credit Card
Welcome to the world of convenience and rewards with the YES Bank BYOC Credit Card. Designed to empower your financial freedom, this card offers a plethora of features and benefits that cater to your unique lifestyle. Join us on a journey where financial freedom meets personalization, as the YES Bank BYOC Credit Card redefines the way you engage with credit. Experience a card that goes beyond transactions, reflecting your unique identity and preferences. Say yes to a credit card that evolves with you.
Yes Bank:
Yes Bank is a leading private sector bank headquartered in Mumbai, India. Established in 2004, it offers a wide range of banking and financial products to individual and corporate clients. Over the years, Yes Bank has garnered a reputation for innovation and customer-centric services in the Indian banking industry.
The YES Bank BYOC Credit Card, where “BYOC” stands for “Build Your Own Card”, is an innovative offering by YES Bank that puts you in charge of your credit card experience. With this card, you have the exciting opportunity to design and personalize your credit card according to your preferences. Not only can you choose the look of the card, but you also have the flexibility to select the benefits that suit you best. Whether it’s travel perks, rewards points, or lifestyle privileges, the YES BYOC Credit Card lets you create a card that aligns with your needs and interests. This card comes in different variations, including a metal option and an eco-friendly option, catering to your style and environmental preferences. Moreover, there’s no limit to the cashback or reward points you can earn, and the rewards you accumulate never expire. The YES Bank BYOC Credit Card is a true embodiment of customization, empowerment, and value, offering a tailored credit experience tailored uniquely to you.
Features and Benefits of YES Bank BYOC Credit Card
- Domestic Lounge Program: You can visit a special lounge at the airport for free. You can do this 1 time every 3 months.
- Complimentary Golf Program: You can play golf without paying the fee at some golf courses. You can do this 4 times a year. You also get a free golf lesson once a year.
- Reward Points Redemption: You can use your reward points to get cool stuff from a special list of things using YES Rewardz.
- Insurance Coverage: If something really bad happens and the main cardholder passes away, there’s insurance coverage of INR 2.5 Lakhs.
- Fuel Surcharge Waiver: When you buy fuel for your car, you don’t have to pay the extra charge (1%) if you spend between INR 400 to INR 5,000.
- Dining Fiesta Program: If you love eating out, you get at least 15% off at certain restaurants when you use your YES Bank Credit Card. This is like a food celebration!
Rewards/Cashback of YES Bank BYOC Credit Card
With the YES BYOC Credit Card, you get options:
- Opt for 1% cashback on your shopping.
- Choose to earn 8 points for every Rs. 200 spent.
- No points or cashbacks for expenses like fuel, ATM withdrawals, monthly installment plans, or card fees.
- Boost your cashback by picking special plans: Silver, Gold, or Platinum.
Redeeming Your Rewards:
- Use your points on the Yesrewardz site. One point could be worth up to Rs. 0.25.
- Cashback gets directly added to your card balance.
YES Bank BYOC Credit Card Fees and Charges
- One-time Fees (Charged in the first bill)
- Eco-Friendly Card: Costs INR 249 plus taxes.
- Metal Card: Costs INR 3,499 plus taxes.
- Monthly Fee (Based on the benefits and plans you choose)
- Core Benefit Fee: INR 49 plus taxes for either cashback or rewards.
- Subscription Plans (Additional monthly fee, based on the plan you pick):
Silver Plan: Costs INR 99 per month.
Gold Plan: Costs INR 149 per month.
Platinum Plan: Costs INR 249 per month. - If you don’t pay your full credit card bill every month, you’ll be charged 3.80% interest each month (which adds up to 45.60% per year).
- When you use your card abroad, there’s an extra 3.5% fee on the currency conversion.
- For rental and wallet transactions over INR 1, there’s a charge of either 0.75% of the transaction value or INR 1, whichever is more. But remember, you won’t be charged more than 3 times in a 30-day period for rental transactions.
Yes Bank BYOC Credit Card Annual Fee: 600* INR (49 per month + taxes)
YES Bank’s Other Cards
YES Premia Credit Card
YES Prosperity Edge Credit Card
YES Prosperity Rewards Plus Credit Card
YES First Preferred Credit Card
YES Bank RuPay Credit Card
YES Bank First Exclusive Credit Card
YES Private Prime Credit Card
YES Bank Wellness Plus Credit Card
YES Bank Wellness Credit Card
YES Prosperity Cashback Plus Credit Card
YES Prosperity Rewards Credit Card
YES Bank EMI Credit Card
YES Bank BYOC Credit Card Eligibility
- You should be between 21 and 60 years old.
- Salaried or self employed.
- You need to earn at least INR 25,000 every month as your take-home salary. Or, if you pay income tax, your income on the tax return should be INR 7.5 lakhs or more.
Yes Bank BYOC Credit Card Limit
Specific Credit Limit for the “BYOC” (Build Your Own Card) or any other credit card from YES Bank isn’t fixed. The credit limit assigned to a cardholder is typically based on several factors:
Credit Score: A higher credit score can often result in a higher credit limit.
Income: Banks may assess your monthly or annual income to determine your creditworthiness and your ability to pay back.
Existing Debt: If you have significant outstanding debt or high utilization on other credit cards, it might affect your credit limit negatively.
Banking Relationship: Having a longer and stable relationship with the bank, especially if you hold a savings or current account with a good average balance, can positively influence your credit limit.
Employment Status: Regular employment and a stable job can indicate financial stability.
Previous Credit History: If you’ve had credit cards in the past and managed them well, it might work in your favor.
Documents Required for YES Bank BYOC Credit Card
- Identity Proof: Aadhar Card/ Voter ID/ Driving License, etc.
- Address Proof: Ration Card/ Voter ID/ Passport, etc.
- Income Proof: Form 16/ IT Returns/ Salary Slips, etc.
How to apply for YES Bank BYOC Credit Card?
- Go to the official YES Bank website (www.yesbank.in).
- Find the BYOC Credit Card option among the available credit card products and click on it to learn more about its features and benefits.
- One of the unique features of the YES Bank BYOC Credit Card is the ability to personalize its design with an image of your choice. You might need to prepare a digital image that meets the specified guidelines provided by the bank. This image will be printed on your credit card.
- Initiate the application process by clicking on the “Apply Now” button on the BYOC Credit Card page. You will likely be redirected to an online application form.
- Complete the online application form with accurate and up-to-date personal and financial information. This may include details like your name, contact information, employment details, income, and more.
- During the application process, you’ll have the option to upload the image you wish to use for personalizing your credit card. Ensure that the image adheres to the bank’s guidelines in terms of size, format, and content.
- The bank may require you to upload certain documents to support your application. These documents might include identity proof, address proof, income proof, and more.
- Review and submit the application.
- After submitting the application, the bank will review your application along with the provided documents. This process might take a few days to a couple of weeks, depending on the bank’s internal procedures.
Frequently Asked Questions (FAQs) -
The YES Bank BYOC (Build Your Own Card) Credit Card allows you to customize your credit card based on your preferences. You can choose from a variety of design options, benefits, and features to create a card that suits your lifestyle.
You can apply for the YES Bank BYOC Credit Card online through the official YES Bank website or by visiting a YES Bank branch. The application process typically involves providing personal and financial information, and you may need to choose your preferred design and features during the application.
You can customize your BYOC Credit Card by choosing the card design, rewards program, and other features such as cashback offers, travel benefits, and more. YES Bank provides a range of options to tailor the card to your needs.
The annual fee for the BYOC Credit Card may vary based on the features and benefits you choose during the customization process. Please refer to the terms and conditions or contact YES Bank customer support for specific details on fees and charges.
Eligibility criteria may include factors such as age, income, credit score, and employment status. Specific requirements may vary, so it is recommended to check the YES Bank website or contact customer support for the most accurate and up-to-date information.
You can track the status of your BYOC Credit Card application online through the YES Bank website. Alternatively, you can contact YES Bank customer support for assistance in checking the status of your application.
Once the BYOC Credit Card is issued, certain features may be difficult to change. It is advisable to carefully review and select your preferences during the application process. For any specific requests or concerns, you can reach out to YES Bank customer support.
You can make payments on your BYOC Credit Card through various channels, including online banking, mobile banking, at YES Bank branches, or through other available payment methods. Refer to your monthly statement for detailed instructions on making payments.
In case of a lost or stolen card, promptly contact YES Bank credit card customer care to report the incident. They will guide you through the process of blocking the card and may assist you in obtaining a replacement card.
YES Bank may offer exclusive benefits, promotions, or discounts for BYOC Credit Card holders. Check the YES Bank website or contact customer support to stay updated on any special privileges associated with the BYOC Credit Card.