# YES BYOC (Build Your Own Card)

YES Bank · Mastercard. lifetime free · 3.5% forex · 8 RP/₹200 retail (rewards variant); the cashback variant earns 1%.

verified · checked 11 July 2026 · Source: https://www.yes.bank.in/pdf?name=value_chart_byoc_pdf.pdf

## How it earns (2)

- 8 RP/₹200 retail (rewards variant); the cashback variant earns 1% · ✓ official · checked 11 July 2026
- Utility likely earns the base rate, capped at 600 RP/cycle (points variant) · cap 600 points per statement cycle · ✓ official · checked 26 September 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 8 RP/₹200 retail (rewards variant); the cashback variant earns 1%
- Vouchers for Bharat Petroleum (BPCL), Acko Insurance, Google Pay (GPay), NoBroker Pay (rent) and 11 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- Likely no RP on wallet loads, with a 1% fee
- Likely no earn: rent, fuel, cash, EMI, govt, insurance

## Lounges (1)

- 4 domestic visits a year (1 a quarter), primary cardholder only, after ₹50,000 spent the previous calendar quarter. · Domestic · domestic · 4 per year · checked 21 October 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: 3.5%
- DCC markup: 1%
- Earns: YES Reward Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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