YES Bank EMI Credit Card

  • Joining Fee: Rs. 499
  • Renewal Fee: Rs. 499
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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The YES Bank EMI Credit Card is one of the two recently launched cards by the YES Bank, the other one being the BYOC Credit Card. The EMI Credit Card, as suggested by its name, is targeted at people who prefer paying for large transactions in EMIs. It comes with a nominal annual membership fee of Rs. 499 and you can get it waived on achieving the required annual spending in the preceding year. Talking about its key features, this card comes with auto EMI conversion, and all transactions above Rs. 5,000 are automatically converted into EMIs. The card also offers decent cashback benefits and you can earn up to 3% cashback on transactions made using it. To know more about the YES Bank’s EMI Credit Card and all its features in detail, keep reading the article:

New Features

Spend Based Waiver

The renewal fee of Rs. 499 is waived on spending Rs. 1.2 lakhs or more in the previous anniversary year.

Interest Rates

3.5% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver capped at Rs. 250 per month.

Foreign Currency Markup

3.5% of the total amount

Cash Advance Charges

2.5% of the withdrawn amount or a minimum of Rs. 500

Movie & Dining




International Lounge Access


Rewards Rate

Get 1% cashback on all retail purchases and 3% cashback on selected transactions through YES Cart.



Insurance Benefits


Reward Redemption

The earned cashback is directly credited to the cardholders’ accounts.

Domestic Lounge Access


Zero Liability Protection

You get zero liability protection against a lost/stolen card if reported to the bank in a timely manner.


No data available


No data available

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