YES Bank BYOC Credit Card

• • Redemption fee: ₹100

A complimentary ET Prime membership on the first card anniversary.

Joining fee

No joining fee on the regular plastic card. The eco-friendly card carries a one-time ₹249 plus taxes and the metal card ₹3,499 plus taxes.

Annual / renewal fee

₹0

Interest rate

3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts

Interest-free period

50 days

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher

Overlimit fee

Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.

Payment dishonour

₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.

Forex markup

3.50% on foreign currency conversion

DCC markup

1%

Reward redemption

₹100 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹125/cycle

Duplicate card

₹100

Income (salaried)

Net salary of ₹25,000 a month, or an income tax return of ₹7,50,000 and above

Income (self-employed)

₹7.5L/year

• What does BYOC actually cost?
• How is the 10% cashback capped?
• Can the merchant plan be changed later?