All cards / Yes Bank
YES Bank EMI Credit Card
Built around automatic EMI conversion for larger purchases plus 3% cashback on the YES Cart platform — useful for big-ticket buyers, unremarkable as an everyday spending card.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
3% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Foreign currency markup: 3.5%
- Interest rate: 47.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500-₹3,000, capped per statement cycle
Benefits
- Auto-converts transactions above ₹5,000 into EMIs across 3–36 month tenures, with no processing fee on Instant EMI
- 1% fuel surcharge waiver on eligible transactions
Pros
- + Auto-converts large transactions into no-processing-fee EMIs
- + 3% cashback on YES Cart purchases
- + Easy annual fee waiver on ₹1.2L spend
Cons
- − Cashback capped at ₹500–1,000/month
- − 16% EMI interest rate still applies on conversions
- − Standard 3.5% forex markup