Question 1

1. Is the YES Bank EMI Credit Card lifetime free?

Accepted Answer

No, the YES Bank EMI Credit Card is not lifetime free. It has an annual fee of Rs. 499.

Question 2

2. What is the processing fee on EMIs with the YES Bank EMI Credit Card?

Accepted Answer

A processing fee of 1% is applicable on the automatically transacted EMIs with the YES Bank EMI Credit Card.

Question 3

3. Do I earn cashback on EMI transactions with the YES Bank EMI Credit Card?

Accepted Answer

No, you do not earn cashback on EMI transactions. However, the YES Bank EMI Credit Card offers up to 3% cashback on other purchases.

Question 4

4. How do I redeem cashback earned with the YES Bank EMI Credit Card?

Accepted Answer

The cashback earned is automatically credited to your account within 90 days and is adjusted against your card's outstanding balance.

Question 5

5. What are the annual fees for the YES Bank EMI Credit Card?

Accepted Answer

The joining fee for the YES Bank EMI Credit Card is Rs. 499, and the renewal fee is also Rs. 499 annually. The renewal fee can be waived if you spend Rs. 1,20,000 or more in the previous year.

Question 6

6. Does the YES Bank EMI Credit Card offer cashback on fuel purchases?

Accepted Answer

Yes, the YES Bank EMI Credit Card offers a 1% fuel surcharge waiver on purchases between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per statement cycle.

Question 7

7. What are the interest rates for the YES Bank EMI Credit Card EMIs?

Accepted Answer

The interest rate on outstanding balances for the YES Bank EMI Credit Card is 3.5% per month. The interest rate on EMIs is 16% per annum.

YES Bank EMI Credit Card

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