What is the EMI Credit Card by YES Bank?

The YES Bank EMI Credit Card offers flexible EMI options for transactions, allowing users to convert large purchases into easy monthly installments.

What are the joining and renewal fees for the EMI Credit Card?

The YES Bank EMI Credit Card has a joining fee of ₹499 + taxes and a renewal fee of ₹499 + taxes.

How can I get the renewal fee waived for my EMI Credit Card?

The renewal fee for the EMI Credit Card is waived if you spend ₹1,20,000 or more in retail purchases within 12 months.

What welcome benefits does the YES Bank EMI Credit Card offer?

On spending ₹1,000 within the first 30 days, EMI Credit Card holders receive a free Amazon voucher worth ₹500.

What cashback can I earn with the EMI Credit Card?

The YES Bank EMI Credit Card offers 3% cashback on selected YES Cart transactions and 1% on other retail purchases.

Do EMI transactions earn cashback on the EMI Credit Card?

No, transactions that are converted into EMIs do not earn any cashback on the EMI Credit Card.

How does the automatic EMI conversion work with the EMI Credit Card?

Transactions above ₹5,000 on the EMI Credit Card are automatically converted into EMIs with various tenures and interest rates.

What is the foreign currency markup on the YES Bank EMI Credit Card?

The EMI Credit Card has a foreign currency markup of 3.5% on all international transactions.

Can existing YES Bank credit cardholders apply for the EMI Credit Card?

No, existing YES Bank Credit Cardholders are generally not eligible for this EMI Credit Card, but virtual RuPay variants may be an option.

What are the interest rates on the EMI Credit Card for revolving credit?

The EMI Credit Card charges 3.99% per month (47.88% annually) on revolving credit, cash advances, and overdue amounts.

YES Bank

YES Bank EMI Credit Card

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get a FREE Amazon voucher worth ₹500 on spending ₹1,000 within the first 30 days.

Rewards Rate

Earn 3% cashback on YES Cart, 1% on other retail purchases (capped).

Reward Type

Cashback

Reward Redemption

Cashback auto-credited within 90 days, adjusted against balance; redeemable via card purchases.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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