Yes Bank Build Your Own Card (BYOC)
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Introducing the YES Bank BYOC (Build Your Own Card) Credit Card in India – a card that empowers you to create a truly personalised credit experience! This groundbreaking card lets you tailor your rewards, giving you the choice between cash back or points on your spending. Further personalise your card by selecting its material and even adding your own unique images. Beyond customization, the YES Bank BYOC Credit Card delivers exceptional benefits: Read on to know more. 👇
Fees & Charges
| Fees/Charges | Amount | Description |
|---|---|---|
| One-time fee | Chargeable in the first statement: | - |
| Eco friendly Card fee | ₹249 +taxes | - |
| Metal card fee | Chargeable as per perks and active merchant plans (will be summation of the below fees, as per the perks picked at the time of applying for the card and /or active merchant offer plans) | - |
| Card Perk (Core Benefit) Fee | BYOC Cashback : INR 99+taxes (INR 49+ taxes for cards on-boarded before 1st Oct’23) BYOC Rewards : INR 49 + taxes | - |
| Subscription Plan Fee* | Monthly fee -Silver: ₹99 Gold: ₹149 Platinum: ₹249 |
- |
- 3.80% per month (45.60% annually) on Revolving Credit, Cash Advances and Overdue Amount
- Competitive Foreign Currency Mark-up of 3.5 %
- Minimum 1% of transaction value or Rs 1 whichever is higher will be levied on all Rental and Wallet transactions greater than Rs 1. Please note that rental transactions are capped at 3 per 30 days period.
Late Payment Fees
- Less than ₹101 – Nil
- ₹101 to ₹500 – ₹150
- ₹501 to ₹5,000 – ₹500
- ₹5,001 to ₹20,000 – ₹750
- ₹20,001 and above – ₹1,000
For further information on the card kindly visit the official YES Bank website or connect with the customer support at 1800 103 1212.
All About the Card
Overview
The YES Bank BYOC Credit Card revolutionises the credit card landscape in India, offering unparalleled personalization. Craft a card reflecting your unique style with choices like cashback or reward points, eco-friendly or metal material, and even a personalised image. Enjoy the convenience of contactless payments and a suite of exceptional benefits. Relax in airport lounges, indulge in dining discounts, or tee off with complimentary golf access, all while accumulating points redeemable for exciting rewards. Secure your online transactions and access flexible financing options. The BYOC Credit Card isn’t just a card, it’s a personalised reflection of your lifestyle. Apply today and experience the future of credit in India.
Highlights
| Key Highlights | Description |
|---|---|
| Best Suited for | Fuel Purchases |
| Annual fee | ₹1,499 (Reversed on annual spends of Rs. 2 lakh) |
| Additional Benefits | Welcome Bonus Up to Rs. 500: Nil 6,000 bonus reward points worth Rs. 1,500 on the payment of joining fee Best Feature 7.25% value back on your fuel expenses 25X reward points = 6.25% reward points + 1% fuel surcharge waiver on every transaction up to Rs. 4,000 Maximum 2,500 reward points can be accumulated per billing cycle Maximum surcharge waiver of Rs. 100 in a statement cycle, which is equivalent to an annual savings of Rs. 1,200 1 reward point = Re. 0.25 |
Benefits
With this card, you can save on multiple categories, including groceries, lifestyle, entertainment and more. However, the maximum benefits are offered only on fuel transactions. Below mentioned are some of the major BPCL SBI Card Octane benefits:
7.25% Value-back on Fuel Purchases
- 25X reward points = 6.25% reward points + 1% fuel surcharge waiver on every transaction up to Rs. 4,000
- Maximum 2,500 reward points can be accumulated per billing cycle
- Maximum surcharge waiver of Rs. 100 in a statement cycle, which is equivalent to an annual savings of Rs. 1,200
- 1 reward point = Re. 0.25
Up to 25X Reward Points
You can earn reward points on your transactions as per the below details:
- 25 reward points on every Rs. 100 spent at BPCL fuel, lubricants & Bharat Gas website and application
- 10 reward points on every Rs. 100 spent at groceries, departmental stores, movie tickets and dining
- 1 reward point for every Rs. 100 spent on non-fuel retail purchases, excluding mobile wallet upload & non-BPCL fuel spends
- 4 reward points = Re. 1 | 1 reward point = Re. 0.25
Welcome Benefits worth Rs. 1,500
6,000 bonus reward points worth Rs. 1,500 on the payment of joining fee. These reward points are credited within 30 days of the payment of joining fee. The reward points can be redeemed instantly against fuel purchases at BPCL.
Other Benefits
Apart from the above-mentioned benefits, you can also avail the below BPCL SBI Card Octane benefits:
- Milestone Benefit: E-gift voucher worth Rs. 2,000 from Aditya Birla Fashion/ Yatra/ Hush Puppies/ Bata on annual spends of Rs. 3 lakh.
- Renewal Fee Reversal: Annual fee reversal on spending Rs. 2 lakh in a year.
- Complimentary Lounge Access: 4 complimentary visits per calendar year to domestic VISA lounges in India (Maximum 1 visit allowed per quarter).
- Fraud Liability: Complimentary fraud liability cover of Rs. 1 lakh.
- EMI Conversion: Purchases worth Rs. 2,500 or more can be converted into easy EMIs via the Flexipay option.
Reward Points
IDFC FIRST Select Credit Card offers decent rewards on purchases. Also, the reward points come with no expiry date and relatively easy redemption options. Users will get the following:
- 10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle
- 10X Reward Points on Birthday
- 6X Reward Points on all online purchases
- 3X Reward Points on all offline purchases
Reward Points earning and a 10X threshold are not applicable for Fuel, EMI, Insurance transactions, and Cash Withdrawals.
How to Apply?
If the user is an offline person, just head over to the nearest Yes Bank branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit offers.shepays.com and navigate to the ‘Credit Card’ section.
Step 2: Select the BYOC YB Credit Card from the available options and click on ‘Apply Now’.
Step 3: Fill out the online application form with personal and financial details once you’re redirected to Yes bank application portal.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank’s decision.
It’s always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
Eligibility Criteria
To be eligible to apply for the Yes First Business Credit Card, you’ll need to meet simple eligibility criteria and keep certain documents handy. We’ve highlighted the same below:
Eligibility Criteria-
- Between 21-60 years of age
- Salaried or self employed
- Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
