The Bottom Line
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 |