Question 1

What is the primary benefit of the YES Bank EMI Credit Card?

Accepted Answer

The YES Bank EMI Credit Card's primary benefit is the automatic conversion of large transactions above Rs. 5,000 into convenient Equated Monthly Installments (EMIs).

Question 2

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

Accepted Answer

The joining fee for the YES Bank EMI Credit Card is Rs. 499 + GST, and the renewal fee is also Rs. 499 + GST.

Question 3

How can I get a waiver on the renewal fee for my YES Bank EMI Credit Card?

Accepted Answer

You can get a waiver on the YES Bank EMI Credit Card's renewal fee by spending Rs. 1,20,000 or more in the preceding anniversary year.

Question 4

What cashback rates does the YES Bank EMI Credit Card offer?

Accepted Answer

The YES Bank EMI Credit Card offers 3% cashback on selected YES Cart transactions (capped at Rs. 1,000/month) and 1% cashback on other retail purchases (capped at Rs. 500/month).

Question 5

Do EMI transactions earn cashback on the YES Bank EMI Credit Card?

Accepted Answer

No, transactions converted into EMIs using the YES Bank EMI Credit Card do not earn any cashback.

Question 6

What is the interest rate on auto-converted EMIs with the YES Bank EMI Credit Card?

Accepted Answer

Auto-converted EMIs on the YES Bank EMI Credit Card are subject to an interest rate of 16% per annum on the monthly reducing outstanding balance.

Question 7

Is there a processing fee for auto-EMI conversions on this card?

Accepted Answer

Yes, a 1% processing fee is applicable on all auto-EMI conversions made with the YES Bank EMI Credit Card.

Question 8

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

Accepted Answer

The foreign currency markup for the YES Bank EMI Credit Card is 3.5% of the total international transaction amount.

Question 9

What is the fuel surcharge waiver on the YES Bank EMI Credit Card?

Accepted Answer

The YES Bank EMI Credit Card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month.

Question 10

Who is the YES Bank EMI Credit Card best suited for?

Accepted Answer

The YES Bank EMI Credit Card is best suited for individuals who frequently make large purchases and prefer managing them through easy monthly installments.

YES Bank EMI Credit Card

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