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About Card

Yes Bank EMI Credit Card


1st Year Fee


Best Suited For


₹ 499+ taxes as applicable



What you'll love

  • Get 3% cash back on selected purchases made using this card.
  • Get 1% cashback on all other retail transactions
  • Automatic conversion of large transactions into EMIs.
  • Spend-based waiver of the annual membership fee.
  • 1% fuel surcharge waiver.
  • Exciting additional deals on YES Cart.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For EMI Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5.0 Lakhs per annum

You'll also love

Reward Benefit

  • Get 1% cash back on all retail purchases & 3% cash back on selected categories transactions through yes cart.
  • 16% rate of interest would be calculated on reducing the outstanding balance 
  • A Flat 1% Emi processing charge would be applicable

Reward Redemptions: 

  • Cashback will be directly credited to the cardholder’s account

Cash Back Benefit

  • Get 3% cash back on selected transactions through Yes cart, cashback amount capped at Rs 1000 per month.
  • Get 1% cash back on all other purchases, with cashback amount capped till Rs 500 per month.
  • No cash back on EMI converted amount.
  • Cashback will be credited after 90 days from the particular day.

Welcome Benefit

  • N/A

Travel Benefit

  • N/A

Golf Benefit

  • N/A

Lounge Access Benefit

  • N/A

Insurance cover Benefit

  • N/A

Fuel Surcharge Waiver Benefit

  • Get a 1% fuel surcharge waiver on all fuel purchases max capped Rs 250

Zero Liability Protection Benefit

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


Why Should You Choose This Card?

Yes bank has recently introduced an Emi card for customers, this card is specially designed to convert big purchases into small EMI, with a nominal joining fee of 499 for this card. It allows us to pay our big amount transactions with flexible terms and rates of interest without worrying to pay a huge amount. Your large transactions will automatically be converted to EMIs.If the YES Bank EMI Credit Card seems to be a good option for you, you should definitely go for it.


For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

For Self Employed

  • Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5 Lakhs per annum

Automatic EMI Conversion

Transaction Value

Interest Rate


Rs 5000 to Rs 10000

16% per annum

3 month

Rs 10001 to Rs 2000

16% per annum

6 month

Rs 20001 to Rs 500000

16% per annum

12 month

Fees and Charges on the Yes Bank EMI Credit Card

Fees & Charges


Joining & Renewal Fees

499+ Taxes Renewal fees waived, on the spending of 120000 in 12 months from the date of activation

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Foreign Exchange Markup


Finance Charges/Cash Advance Fee

2.50% of the amount ( Subject to a minimum amount of Rs 500)

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Below  or equal to Rs. 100- Nil
  • From Rs. 101 to Rs. 500- Rs. 150
  • From Rs. 501 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 20,000- Rs. 750
  • Above Rs. 20,000- Rs. 1,000

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

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FAQs on Yes Bank EMI Credit Card

  • You can contact to Yes bank customer care via different platform like, custmore care no 1800 103 1212 (Toll-Free for Mobile & Landlines in India) +91 22 4935 0000 (When Calling from Outside India) Email us at [email protected]

  • Yes there is renewal fee of Rs 399+taxes,but if you spend 75000 in a year your renewel fee waiver will be applicable on your card.

  • No, the EMI Credit Card is not lifetime free. It comes with an annual fee of Rs. 499.

  • It is good to make a payment on time against your card,but if you skipped aur forget to pay the bill on time,bank will charge the late fee as per your outstanding amount

  • No, Yes bank emi card does not offer you Dinning benefit.