YES Bank EMI Credit Card
Yes Bank · Open to apply
A card that turns purchases of ₹5,000 and above into EMIs at 18% with a 1% processing fee on its own, and gives 1% cashback (up to ₹500 a month) on everything not converted. ₹499 a year.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,20,000 spend per card year
- Base rate
- 1% cashback on transactions not converted to EMI: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on fuel, cash withdrawals, rent, wallet loads, utilities, government, education and EMI
Terms the calculator does not value
- Auto-converted purchases carry 18% interest and a 1% processing fee, which the calculator does not apply; spends converted into EMI earn no cashback.
- The page headline mentions a time-limited Amazon voucher offer; its conditions were not read.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, EMI Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, EMI Card Terms and Conditions (auto EMI and 1% cashback) (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)