Yes Bank BYOC Metal Credit Card Review

Yes bank gives you the power to choose and create your own credit card with their new Yes Bank BYOC Metal credit card. It is one of a kind credit card in India that allows its users to pick the perks. Some of the awesome benefits of this card include free access to airport lounges, complimentary golf rounds, attractive deals on lifestyle categories, and lots more. The features and yes bank credit card benefits are discussed below.

Who can apply for the Yes bank BYOC Metal credit card?

• Resident Type: Indian
• Yes bank credit card eligibility criteria for salaried person:
  • Yes bank credit card age limit: 21 to 60 years.
  • yes bank credit card minimum salary requirement: Above Rs.25,000 monthly
• Yes bank credit card eligibility criteria for self-employed persons:
  • Yes bank credit card age limit: 21 to 65 years.
  • yes bank credit card minimum salary requirement: Income tax return should be above Rs.10 lakh
• Yes bank credit card eligibility cibil score requirement: A credit score of 720+ is required to apply for this yes bank credit card.

What documents are required to apply for the Yes bank BYOC metal credit card?

• Photocopy of Address proof (any 1)
  • Aadhar Card
  • Driving License
  • Passport
  • Utility bills
• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Two recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of last 3 months
    • ITR
  • Self-employed person
    • Income tax return of the last year
    • Proof of business

What are the Yes bank BYOC metal credit card fees?

• Yes Bank BYOC Metal Credit Card joining fee: Rs.3499 + GST (for the first year only)
• Yes Bank BYOC Metal Credit Card monthly fee: (The summation of the core benefit fee and the subscription plan fee)

• • Core benefit fee: Rs.49 + GST
  • Subscription plan fee: 

Silver	Gold	Platinum
Rs.99 + GST	Rs.149 + GST	Rs.249 + GST

What are the Yes bank BYOC metal credit card benefits?

• Pick the perk you want to have:

The unique BYOC card allows you to choose the perks you want to enjoy. You can choose between 1% cashback on all transactions or 8 yes bank credit card reward points for every Rs.200 spent.

The yes bank credit card rewards will never expire, and you will not get any reward or cashback for fuel purchases, cash withdrawals, fee payments, and EMI transactions.

You can check the status of your reward points or earned cashback from your yes bank credit card net banking account. You can also redeem your points from the yes bank credit card point redemption catalog.

• Select your own cashback plan:

This yes bank credit card offers you 10% cashback (up to Rs.100 per yes bank credit card statement cycle) on each of your selected merchants. You can change your selected merchants and subscription plans every month depending on your needs.

Subscription plans	Silver	Gold	Platinum
Benefits	You can pick 2 out of 5 merchants	You can pick 3 out of 5 merchants	You can pick all 5 merchants
Merchants	BookMyShow, Swiggy, PharmEasy, Uber, Big basket

• Add comfort to your travel:

Using this yes bank credit card, you can get 1 complimentary access every quarter to most of the leading domestic airport lounges every quarter. Click here for the yes bank credit card lounge access list.

• Enjoy complimentary golf rounds:

This yes bank credit card offers you exclusive access to some of the leading golf courses in India. You can get upto 4 free access every year.

• Experience attractive deals on lifestyle categories:

With your Yes BYOC card, you can enjoy curated deals on travel, dining, shopping, and wellness categories.

• Get freedom from fuel surcharges:

This yes bank credit card features a 1% waiver on fuel surcharges across all fuel stations in India. The yes bank credit card fuel surcharge waiver offers applies on transactions between Rs.400 to Rs.5000

• Enjoy the convenience of contactless technology:

The YES BYOC card is equipped with advanced contactless payment technology, this feature allows you to make payments just by placing your card over any contactless-enabled POS machine.

What are the yes bank credit card charges?

Particulars	Chargeable amount
Yes bank credit card cash withdrawal charges	2.5% against the transaction amount, Min Rs.300 (check your yes bank credit card limit before making a withdrawal)
Finance charge	Can go upto 3.50% monthly (applicable if your yes bank credit card payment is not made in time)
Yes bank credit card international transaction charges	3.50% against the transaction amount

How to contact the yes bank credit card customer care department?

• Call the yes bank credit card customer care number: 1800-103-1212 (Toll-free) or 022-4935-0000
• Write to the yes bank credit card customer care email id: yestouchcc@yesbank.in 

100xGain Ratings:

7/10

Pros and cons:

Pros	Cons
This yes bank credit card offers an impressive reward/cashback rate. You can enjoy complimentary golf/lounge access.	The monthly subscription fee is a bit high. The yes bank credit card fee structure is a bit complicated.

Final Opinion:

As evident from the review, the Yes Bank BYOC Metal Credit Card is a useful yet complicated credit card. It gives you free access to airport lounges, complimentary golf rounds, and attractive cashback offers on top brands, all of these are some of the very useful features of this card. But the complicated part is the monthly subscription system which can be problematic for most of credit card users. 

So, if you are looking for some alternative options, then feel free to visit our best credit card page. You can also compare the alternative options given below.

Alternative Options:

1. American Express Platinum Reserve Credit Card (Best for dining, lounge, and hotel benefits)
2. Axis Bank Magnus Credit card (Best for lounge access, hotel, and dining benefits)
3. HDFC Infinia Metal Credit Card (Best for reward points, lounge access, and lifestyle benefits)

FAQs on Yes Bank BYOC Metal credit card:

• How to redeem yes bank credit card points?

You can redeem your Yes bank credit card rewards from the yes bank credit card rewards catalogue. You can also call the yes bank credit card customer service number and ask them to redeem your rewards.

• How to close yes bank credit card?

If you don’t want to continue with your old Yes bank card, then you can visit your nearby Yes bank branch and submit your account closure application there.

• How to activate yes bank credit card?

You can activate your new Yes bank card from your yes bank credit card netbanking account. Also, if you don’t want to go online then you can activate yes bank credit card from your nearby Yes bank ATM.

• How to pay yes bank credit card bill?

You can pay yes bank credit card bills online from your net banking account, or from any credit card bill payment app like Cred, Paytm, PhonePe, Google Pay, etc.

• How to check yes bank credit card balance?

You can check your yes bank credit card balance from your net banking account or by using the Yes credit card mobile app. You can also call the yes bank credit card customer care no and ask them for the information.

• How to open yes bank credit card statement pdf password?

Your yes bank credit card statement pdf password format is a combination of your customer id and your date of birth. For instance, if your customer id is 1234567 and your date of birth is 2nd January 1998, then your statement PDF password would be 123456702011998.

• How to track yes bank credit card application status?

As you submit your yes bank credit card application, you will get a unique application id. You can later use that id to track the status of your application.

• Which card is best in YES Bank?

It completely depends on how you use your credit card. It is possible that a credit card that makes sense for one person may not be the best option for another. Nevertheless, you can find a Yes credit card that suits your needs on our page for Yes bank credit cards.

• Is YES Bank credit card safe?

Aside from using all security measures to ensure the safety of your transactions, Yes Bank is also an RBI-approved bank. Therefore, I believe Yes bank credit cards are safe.

• Is YES Bank credit card lifetime free?

Not all Yes bank credit cards are lifetime free. Some Yes bank credit cards like the Yes Bank Finbooster credit card offer zero annual fee feature.