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YES Bank EMI Credit Card

by Kshitiz V Sharma on

The Bottom Line

YES Bank EMI Credit Card
Low Fee, Lower Rewards

3% cashback on YES Cart and 1% on all other retail spending. Large transactions converted to EMI's automatically.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.1% 1.0% 1.0% 1.0% 0.5%
Est. Monthly Reward (₹) 95 200 495 500
All-India Rewards Rank* 153 59 83 134 237
Within Bank Rank* 7 3 3 4 14
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The YES Bank EMI Credit Card gives 3% cashback on YES Cart and 1% on all other retail spending.

Overall, we estimate you can earn a net reward yield of 0.5-1.0% on spending above ₹10,000 with this card in a month.

All large transactions are auto converted to EMI for 12 months with 16% yearly rate of interest.

The YES Prosperity Cashback Credit Card is the best credit card for YES BANK customers who spend less than ₹50,000 a month on their card.

You can earn a net reward yield of 1.2-1.8% on all your spending with this credit card.

If you are spending more than ₹50,000 a month on your credit card, we recommend the YES FIRST Exclusive Credit Card. We estimate it offers a net reward yield of 1.7% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card YES Bank EMI Credit Card
Card Type Cashback
Cashback Features 3% Cashback on YES Cart

1% cashback on all other retail spends

Milestone Rewards Nil
Other Rewards Nil
Rewards Redemption Fee Nil
Reward Caps – 1,000 reward points on YES Cart

– ₹500 on all other retail spends

Preferred Redemption Method Cashback against statement balance


Fees & Charges

Card YES Bank EMI Credit Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1.2 Lacs
Income Criteria Salaried ₹25,000 p.m.
Self-employed ITR>₹5 Lacs
Supplementary Card Fee Free
Interest Rate 42% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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