- Joining fee
Rs. 499 + GST
- Annual fee
Rs. 499 + GST
- Best suited for
Shopping
Rewards
- Rewards rate
Get 1% cashback on all retail purchases and 3% cashback on selected transactions through YES Cart.
- Reward redemption
The earned cashback is directly credited to the cardholders’ accounts.
Fees & charges
- Spend-based waiver
The renewal fee of Rs. 499 is waived on spending Rs. 1.2 lakhs or more in the previous anniversary year.
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% of the total amount
- Interest rates
3.5% per month
- Fuel surcharge waiver
1% fuel surcharge waiver capped at Rs. 250 per month.
- Cash advance charges
2.5% of the withdrawn amount or a minimum of Rs. 500
Product highlights
- 3% cash back on selected purchases made using this card.
- 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.
FAQs
Is the YES Bank EMI Credit Card lifetime free?
No, the EMI Credit Card is not lifetime free. It comes with an annual fee of Rs. 499.
What is the processing fee on EMIs with the YES Bank EMI Credit Card?
A processing fee of 1% is applicable on the automatically transacted EMIs with the YES Bank’s EMI Credit Card.
Do I earn cashback on EMI transactions with the YES Bank EMI Credit Card?
No, you don’t earn cashback on EMI transactions with this credit card. On other purchases, it offers up to 3% cashback.
How do I redeem cashback earned using the YES bank EMI Credit Card?
The cashback is directly credited to your account within 90 days and is adjusted against your card’s outstanding balance.