Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
YES Bank offers the ‘EMI on Call’ and ‘Instant EMI’ facilities that enable customers to convert their large purchases into equated monthly instalments (EMI) at low rates of interest. This feature is offered only to select Yes Bank credit cardholders. Read on to learn important details about YES Bank credit card EMI.
The features of YES Bank credit card EMI are as follows:
EMI on Call -
Given below are the contact details to avail the ‘EMI on Call’ facility:
Instant EMI -
You can avail the ‘Instant EMI’ facility at over 80,000 merchant partners throughout the country. For online purchases, choose the ‘EMI option’ while making payments on the partner’s website or app. In case of offline purchases, request ‘Instant EMI’ at the payment counter before you make the payment.
Here are a few points you should keep in mind when converting the purchases made from your YES Bank credit card into EMIs:
Transactions of Rs.1,500 and higher are eligible for YES Bank credit card EMI conversion.
If you cancel an EMI-converted purchase, you need to reach out to the 24*7 YES TOUCH customer care number, which is printed on the back of the credit card.
The EMI feature is available to add-on cardholders, but all requests will be charged to the primary card used for Instant EMI. Both primary and add-on cardholders will be held jointly accountable for the transaction and usage of this feature.
No, you cannot shift from one EMI plan to another.
The ‘EMI on Call’ facility will restrict your card's credit limit to the maximum amount of the facility availed, including GST and any applicable costs. The credit limit on the card will be decreased until the full payment is made.
The interest rates for YES Bank credit card EMI range from 13.00% to 15.00%.
The tenure options offered on the ‘EMI on Call’ facility are 6,12,18 and 24 months.
No, the EMI facility is offered to only select YES Bank credit cardholders.
To avail the ‘Instant EMI’ facility online, you need to choose the ‘EMI option’ while making payments on the partner’s website or app.
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