Monepoint
CashbackFuel

Yes Bank

BYOC Credit Card

A configurable "Build Your Own Card" family — this entry covers only the Regular/Cashback variant's headline terms, since Yes Bank's own documents leave the cashback cap genuinely contradictory.

Joining fee
₹0
Annual fee
₹1,188
Status
Open
Verified
3 September 2026
BYOC Credit Card

Fees

Joining fee
₹0
Annual fee
₹1,188
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

cashback

  • everything-else: 10%At up to 5 chosen participating merchants (Swiggy, Uber, PharmEasy, Bigbasket, BookMyShow), capped ₹100/merchant/statement cycle; the number of eligible merchants depends on the optional Silver/Gold/Platinum subscription tier.

Also includes a complimentary ET Prime membership from the 1st card anniversary. A re-issuance fee applies per physical variant: ₹100 (Regular), ₹349 (Eco-Friendly), ₹3,599 (Metal).

Travel

Forex markup
3.5%

Domestic only, gated on ₹50,000 prior-quarter spend, per the shared MITC's lounge-threshold table. No complimentary guest visits.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • Rewards pay back as cashback rather than points that need redeeming.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge