About Card
Yes Bank EMI Credit Card
Card
1st Year Fee
Rewards
Best Suited For
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.
Documents
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 25,000For 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.
Eligibility
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
Period
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
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Fees and Charges on the Yes Bank EMI Credit Card
Fees & Charges
Amount/Rate
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
3.50%
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
Get Assured Gift On Your Card With Us
FAQs on Yes Bank EMI Credit Card
-
How can I contact to Yes bank Credit card customer Care?
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]
-
Is there a renewal fee on YES Prosperity Edge Credit Card?
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.
-
Is the Yes Bank Emi Card life time free?
No, the EMI Credit Card is not lifetime free. It comes with an annual fee of Rs. 499.
-
Is there are any late payment charges on card?
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
-
Can I get Dining benefit with this card?
No, Yes bank emi card does not offer you Dinning benefit.