Can I apply for the YES Bank EMI Credit Card offline?

Yes, you can visit the nearest YES Bank and apply for the EMI Credit Card. .

What is the repayment tenure of the EMI transaction?

The repayment tenure of the EMI transaction can range between 3 months and 12 months. .

Is the fuel charge waiver provided at all fuel station in India?

Yes, the fuel charge waiver is provided across all fuel stations in India. .

I already have a YES Bank credit card, is it possible to still apply for the EMI Credit Card?

No, you cannot apply for the EMI Credit Card if you already have a YES Bank credit card. .

Can I pay the YES Bank EMI Credit Card bill online?

Yes, you can pay the YES Bank EMI Credit Card bill online. .

YES Bank EMI Credit Card

The EMI Credit Card offered by YES Bank is an entry-level card where any transactions that are made above the limit that has been set will be converted to EMIs. You can apply for the car online and the process is simple.

The YES Bank EMI Credit Card comes with a fuel surcharge waiver across all fuel stations in the country. The foreign currency markup is 3.5%. On non-EMI transactions, a 1% cashback is offered. The processing fee is 1% for EMI conversions and the rate of interest is 18% p.a. Credit shield cover is provided.

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Features and Benefits of the YES Bank EMI Credit Card

The main features and benefits of the YES Bank EMI Credit Card are mentioned in the table below:

Category	Benefits
Welcome Benefits	If you spend Rs.1,000 within 30 days from the date the card is issued, an Amazon voucher worth Rs.500 will be provided.
Automatic EMI Conversion	Transactions above a value that has been set will be converted to EMIs.The rate of interest will be 18% p.a.The processing fee will be 1% of the transaction amount.
Cashback	1% cashback will be provided on non-EMI transactions. Maximum of Rs.500 per month.
Insurance	Credit shield is provided where accidental death cover is provided for the primary cardholder.
Fuel Surcharge Waiver	1% fuel surcharge waiver is provided across all fuel stations in India. The waiver is provided for transactions between Rs.400 and Rs.5,000.
Instant EMI	Transactions worth Rs.1,500 and more can be converted to EMIs instantly.
EMI on Call	You can call the customer care number to convert transactions to EMIs.
Quick Loan	Loans are provided on the limit that is available on the card.
YES PayNow	Bills will be paid every month on time.
E-Mandate	Standing instructions can be set up so that bills can be paid on time.
Express Loan	Pre-approved loans may be provided.
Contactless Transactions	NFC technology is present where contactless payments can be made.

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Eligibility Criteria

The eligibility criteria that must be met to apply for the YES Bank EMI Credit Card are mentioned below:

You must be between the ages of 21 years and 60 years.

Salary employees and self-employed individuals can apply for the card.

Your net salary must be at least Rs.25,000 per month or the Income Tax Returns should be Rs.7.50 lakh or more.

Fees and Charges

The different fees and charges are mentioned in the table below:

Category	Fees
First Year Membership	Rs.499 plus taxes
Renewal Membership	Rs.499 plus taxes (waived if you spend Rs.1.20 lakh in a year)
Interest Rate on Overdue Amount, Cash Advances, and Revolving Credit	3.99% per month or 47.88% per year
Foreign Currency Markup	3.5%

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How to Apply for the YES Bank EMI Credit Card?

The process that must be followed to apply for the YES Bank EMI Credit Card is mentioned below:

Visit https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/emi-credit-card.

Click on ‘Apply Now’.

Enter your mobile number, PAN, first name, middle name, last name, date of birth, gender, and pincode.

Click on ‘Submit’.

Follow the steps on the next page to apply for the credit card.

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FAQs on YES Bank EMI Credit Card

Can I apply for the YES Bank EMI Credit Card offline?
Yes, you can visit the nearest YES Bank and apply for the EMI Credit Card.
What is the repayment tenure of the EMI transaction?
The repayment tenure of the EMI transaction can range between 3 months and 12 months.
Is the fuel charge waiver provided at all fuel station in India?
Yes, the fuel charge waiver is provided across all fuel stations in India.
I already have a YES Bank credit card, is it possible to still apply for the EMI Credit Card?
No, you cannot apply for the EMI Credit Card if you already have a YES Bank credit card.
Can I pay the YES Bank EMI Credit Card bill online?
Yes, you can pay the YES Bank EMI Credit Card bill online.

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