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Yes Bank BYOC (Build Your Own ) Credit Card: Fees, Rewards & Benefits

Rewards card with lounge access

Vyaya Team · Jun 2026
5 min read
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Value Score
8.0 / 10
Annual Fee
₹0
Best For
Entertainment & Lifestyle User, First-Time Cardholder
Network
Visa
Expert Verdict

The Yes Bank BYOC is a customisable, zero-annual-fee card (INR 249 one-time) with strong BookMyShow and partner-merchant earning plus 4 complimentary lounge visits. Tight monthly caps, a 0.25 INR point value and a 3.5% forex markup keep it an entry-level lifestyle card.

YES BANKVisa
Yes Bank BYOC (Build Your Own )
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REWARD SUMMARY
1% Base Rewards
Rewards card with lounge access
← Tap to flip back

The Bottom Line

The Yes Bank BYOC (Build Your Own ) is built for entertainment & lifestyle user and first-time cardholder. With no annual fee, it offers 6.25% rewards on bookmyshow (entertainment) and a welcome benefit worth ₹500. It makes the most sense if your spending matches entertainment & lifestyle user and first-time cardholder.

It earns a base reward rate of 1% and stacks best when your spending lines up with Entertainment & Lifestyle User, First-Time Cardholder.

What we like
+Zero annual fee (only a one-time INR 249 joining fee) and customisable: choose Cashback or Rewards earning plus optional subscription plans.
+High accelerated earning of 25 points per INR 100 on BookMyShow (capped 250/month) and 10 points per INR 100 at select partners like Swiggy, Uber and BigBasket (capped 100/month).
+4 complimentary domestic lounge visits per year, rare for a near-free entry card.
+25% off movie tickets via BookMyShow up to Rs.250/month, plus complimentary ET Prime on the first anniversary.
+Accessible at a minimum income of INR 3 lakh.
What we don't
–Reward points are worth only 0.25 INR, so even high multipliers translate to modest value.
–Partner-merchant accelerated earning is tightly capped (100 points/month on the 10x tier, 250 on BookMyShow).
–High 3.5% forex markup makes it poor abroad.
–Best partner cashback often requires a paid Silver/Gold/Platinum subscription plan.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Entertainment & Lifestyle User

Users who book movies on BookMyShow and order from Swiggy/Uber/BigBasket and want a near-free card with 4 lounge visits.

+
First-Time Cardholder

Low-income (INR 3 lakh minimum) applicants wanting a customisable zero-annual-fee card.

Probably not for

Skip
–
High-Volume Spender

The tight monthly caps on partner earning (100-250 points) limit returns for heavy users.

–
International Traveller

The 3.5% forex markup makes it unsuitable for overseas spends.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹500
Annual feeFREE
Net Value (Year 1)+₹500
Net Value (Year 2+)+₹0

Sign in for personalized estimates based on your actual spending

Reward Rates

Yes Bank BYOC (Build Your Own ) offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
BookMyShow (Entertainment)
6.25%
Select partner merchants (Swiggy, BookMyShow, Uber, PharmEasy, BigBasket) (Other)
2.5%

Welcome Offer

Welcome Benefit

Amazon voucher worth Rs.500 on spending Rs.1,000 within the first 30 days of card issuance.

Value: ₹500

Fees & Charges

Joining fee₹249
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹7.5 Lakhs
  • Min Credit Score: 700
  • Salaried/self-employed age 21-60; min monthly income Rs 25,000 or ITR Rs 7.5 lakh; no annual fee but monthly core-benefit fee applies (Rs 49-99+GST).

Exclusions & Terms

Forex markup

  • Foreign currency markup

Cash Withdrawals

  • Does not earn rewards/cashback.

EMI Transactions

  • Does not earn rewards/cashback.

Credit Card Fee / Charge Payments

  • Does not earn rewards/cashback.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the Yes Bank BYOC (Build Your Own )?+

The Yes Bank BYOC (Build Your Own ) has no annual fee (lifetime free).

What rewards does the Yes Bank BYOC (Build Your Own ) offer?+

It earns YES Rewardz Points, with accelerated earning on Rewards.

Does the Yes Bank BYOC (Build Your Own ) offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

No annual fee. Apply on the Yes Bank website.

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