YES Bank EMI Credit Card

The YES Bank EMI Credit Card is a credit card specifically designed to provide convenient and flexible repayment options for purchases to cardholders. It allows cardholders to convert their large purchases into easy monthly installments.

The card also offers additional features and benefits, such as reward points on purchases, discounts at partner merchants, and access to exclusive offers and promotions.

With a modest annual membership fee of Rs. 499, this cost can be nullified by meeting the prescribed annual spending target in the preceding year. Noteworthy features include the automatic EMI conversion, ensuring that all transactions exceeding Rs. 5,000 seamlessly transition into manageable EMIs.

Moreover, this card extends attractive cashback perks, allowing users to accrue up to 3% cashback on eligible transactions. This combination of flexibility and rewards enhances the appeal of the EMI Credit Card for those seeking a convenient and financially rewarding payment solution.

Benefits and Features of YES Bank EMI Credit Card

Benefits and FeaturesYES Bank EMI Credit Card
Welcome BenefitsN/A
Cashback/Rewards PointsReceive a 1% cashback on every retail purchase, along with an exclusive 3% cashback on selected transactions through YES Cart.
Travel BenefitsN/A
Dining BenefitsN/A
Domestic Lounge AccessN/A
International Lounge AccessN/A
Movie BenefitsN/A
Insurance BenefitsN/A
*terms and conditions are applied for every credit card, kindly check the official website of Yes Bank

Rewards Benefits

YES EMI Credit Card users can enjoy attractive cashback rates on diverse transactions:

  1. 3% Cashback on YES Cart Transactions: Earn a generous 3% cashback on specific merchant transactions made through YES Cart, the exclusive rewards and deals portal of YES Bank. Please note that the cashback in this category is subject to a monthly cap of Rs. 1,000.
  2. 1% Cashback on All Other Retail Purchases: Receive a 1% cashback on all remaining retail purchases, ensuring savings on various transactions. The monthly cashback for this category is capped at Rs. 500.
  3. No Cashback on EMI Converted Transactions: It’s important to note that transactions converted into EMIs do not qualify for cashback benefits. Ensure optimal utilization of your YES EMI Credit Card to maximize your savings.

Auto-EMI Conversion

All the transactions done using YES Bank EMI Credit Card are eligible for automatic EMI conversion with the following interest rates and tenures:

Transaction ValueInterest RateTenure
Rs. 5,000 to Rs. 10,00016% per annum3 months
Rs. 10,001 to Rs. 20,00016% per annum6 months
Rs. 20,001 to Rs. 5,00,00016% per annum12 months
* for updated interest rates kindly check the bank website

The amount you’re eligible to pay in instalments will be converted within 5 working days. Keep in mind that there will be an interest rate of 16% per year on the remaining balance each month. Also, there’s a 1% fee for processing the instalment payments automatically

Eligibility & Document for YES Bank EMI Credit Card

Read the article on for YES Bank EMI Credit Card Eligibility & Document here.

Fees & Charges

Fees & ChargesYES Bank EMI Credit Card
Joining feeRs .499
Annual feeRs .499
Fee waiverIf your annual spending has surpassed 1.2 lakhs in the previous year, you can enjoy a waiver on the annual fee.
Fuel surcharge1% fuel surcharge waiver, capped at Rs. 250 per month. Explore the advantages of our offerings and make the most of your card benefits.
*terms and conditions are applied for every credit card offer, kindly check the official website of Yes Bank

How to Apply for YES Bank EMI Credit Card

You can apply online or offline for this YES Bank EMI Credit Card.

Online – Visit Yes Bank’s official website and apply for this credit card.

Offline – You can visit the nearest Yes Bank branch with all the necessary documents.

cardpreview refer footer banner

Leave a Reply

Your email address will not be published. Required fields are marked *