Shop Now, Pay Later with YES Bank EMI Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

29 Jul 26
3 mins

Sandipan Mitra

08 Mins
29-07-26

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Table of Contents

Features and Benefits of YES EMI Credit Card
YES Bank EMI Credit Card Charges

The YES Bank EMI credit card lets you convert eligible purchases into EMIs with tenures of 3–12 months.
Earn 1% cashback on non-EMI spends with the card, capped at ₹500 per month.
The YES Bank EMI credit card offers a 1% fuel surcharge waiver on eligible transactions between ₹400 and ₹5,000.
Eligible spends are automatically converted into EMIs at 18% interest with a 1% processing fee.
The YES Bank EMI credit card has membership fees starting from ₹499 plus taxes and charges 3.99% monthly interest on overdue balances.

The YES Bank EMI Credit Card makes shopping simple and flexible. You can buy what you need today and pay later through easy EMI options. Choose repayment tenures from 3-12 months.

The card reduces payment stress and supports better expense planning. It suits users who prefer control over monthly spending without delaying important purchases.

Features and Benefits of YES EMI Credit Card

The YES EMI Credit Card offers practical features that support smart spending and easy repayments. It blends EMI comfort with everyday savings.

1% cashback on non-EMI spends, capped at ₹500 per month.
1% fuel surcharge waiver across India on spends between ₹400 and ₹5,000.
Automatic EMI conversion on pre-set transaction values. Transactions shift to EMI at an interest rate of 18%.
Low processing fee of 1% on converted EMI transactions.
Preferential foreign currency markup up to 3.5%.

YES Bank EMI Credit Card Charges

The YES Bank EMI Credit Card follows a clear and structured fee model. Cards issued on or after 28 August 2024 carry a membership fee of ₹499 + applicable taxes.

Cards issued between 1 July 2022 and 28 August 2024 attract a fee of ₹749 + taxes. EMI credit cards issued before this period continue with the fee shared at issuance.

The card applies an interest rate of 3.99% per month. This rate covers revolving credit, cash advances and overdue balances.

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Footnotes

Eligible transactions convert to EMI within 5 working days, subject to meeting all required conditions set by the bank.
You can run up to 60 EMIs at one time. Once the count reaches this limit, the system stops automatic EMI conversion.

FAQs

What is the YES Bank EMI Credit Card eligibility?

Applicants must be between 21 and 60 years of age. Both salaried and self-employed individuals can apply. A minimum monthly income of ₹25,000 or an ITR of ₹7.5 lakh is required.

How is the YES EMI Credit Card limit set?

YES Bank decides the credit and cash withdrawal limits at its discretion. Add-on cardmembers share the primary limit. The limit details appear at card delivery and on monthly statements.