YES Bank EMI Credit Card: Features & Apply

Summary

You can borrow money with the YES Bank EMI Credit Card and pay it back every month. It’s for those who wish to pay for things like gadgets, travel, home goods, or anything else they need right now in a different way.

First and foremost, the card makes it easy and quick to pay for big purchases in monthly payments. You don’t have to fill out a different application or go through a long process to get a loan. With mobile banking, you can buy products now or later. You can also use the card to make EMI payments with low or no interest and pay them back over three to twenty-four months. If you keep track of how much money you spend each month, you can stay inside your budget.

In addition to cash back bonuses, reward points, no fuel surcharges, and safe payments that don’t need a card, the YES Bank EMI Credit Card has further benefits. You may also instantly apply online, check your account with the YES Mobile App, and many stores in India, both online and in person, will accept it.

Introduction

In today’s fast-paced world, it’s more important than ever to be careful with your money. If you want to buy a new phone, laptop, or even plan a trip, being able to pay in easy installments could make a big difference. The YES Bank EMI Credit Card is helpful in this case. It is for people who want to make big purchases and pay them off in small, easy-to-manage monthly payments without having to worry about high interest rates or hidden costs.

The YES Bank EMI Credit Card gives you all the benefits of a regular credit card and the power of EMI. You don’t have to fill out a bunch of paperwork or acquire a different loan. With only one card, you can shop and pay later in EMIs anytime you like. This is a terrific approach for people who work, go to school, or remain at home with their kids to better handle their money.

The YES Bank EMI Credit Card is great since it lets you pay off your balance over time with little or no interest. Depending on the store and the deal, you might be able to acquire EMIs with no interest, which would be even better for your pocketbook. The card also lets you change your EMI straight away when you buy something, whether you do it online or in person. You don’t have to wait or go through a lot of steps. This saves you time and energy.

Depending on the current deals, this card also includes several amazing benefits, such as cash back offers, reward points, fuel surcharge exemptions, and welcome gifts. Applying is fairly easy and may be done online. You can apply online with just a few papers, and in most cases, you’ll get clearance right away. This card is also well-known in India, which makes it a good choice for regular use.

What is the YES Bank EMI Credit Card?

You can pay for things with the YES Bank EMI Credit Card in convenient monthly payments, or EMIs. Instead of paying the whole amount at once, you can pay a little bit each month. This makes it easier to keep track of how much you spend, especially when you buy things like electronics, furniture, or even plane tickets that cost a lot.

You also don’t have to get a new loan. You can buy pricey products with just one credit card and pay them off over time. Another good thing about these EMIs is that they don’t always have any interest, or they have very little interest, depending on the business and the campaign. This will help you save money when you buy things.

How is the design of the YES Bank EMI Credit Card?

The YES Bank EMI Credit Card looks simple, modern, and professional. At first impression, it looks like a high-end credit card that is sleek and attractive. The card usually looks classy since it has a good design and a clever color scheme, like blue, silver, or black.

You may also easily see the YES Bank logo and the RuPay or Visa/Mastercard logo on the front, depending on the kind. This makes it easy to find and makes you feel like you can trust it. The card has your name, card number, expiration date, and a chip for extra security. Putting all of these aspects together makes the card look balanced.

What are the benefits of the YES Bank EMI Credit Card?

Let’s discuss the primary benefits:

1. Change EMI right away

One of the best things about this is that you may turn your purchases into EMIs straight away. When you check out, you can choose the EMI option, whether you order online or in person. This program lets you keep track of your finances without having to worry about making significant payments all at once.

2. Low- or no-interest EMIs

Depending on the store or offer, you can transform many purchases into EMIs with little or no interest. This lets you buy what you want while saving money on interest. It’s a good idea to shop without having to worry about money.

3. A repayment period that can change

With the card, you may find out how long your EMI will last. You can pay back the loan in 3, 6, 9, 12, 18, or 24 months, whatever works best for you. This makes it easier to plan your monthly budget.

4. Points and money back

The card includes EMI features and lets you earn points for every transaction you make. You can use these points to earn discounts, gifts, or shopping vouchers. Some deals give you money back over the holidays or when you buy anything from a partner.

5. No Fuel Surcharge

The fuel surcharge waiver is another valuable tool that can help you save money on gas at some gas stations. This is a great way to save money every day.

6. A lot of individuals utilize it

Millions of stores and businesses in India accept the YES Bank EMI Credit Card. You can use this card at any store, including Amazon or Flipkart, without worry.

7. Payments that are safe and don’t need to be touched

The card has an EMV chip and lets you pay without touching it, so your transactions are safe and quick. You also get fast SMS or email alerts for every purchase, which makes it even safer.

What are the fees for the YES Bank EMI Credit Card?

Here is a simple breakdown of the  YES Bank EMI Credit Card fee.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.5% per month (21% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a YES Bank EMI Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a YES Bank EMI Credit Card?

The documents that you will have to submit to get the YES Bank EMI Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the YES Bank EMI Credit Card be used?

Here is the list of places where you can use it:

• With the YES Bank EMI Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  YES Bank EMI Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The YES Bank EMI Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the YES Bank EMI Credit Card?

The credit amount you can spend is what you are provided with when you have a YES Bank EMI Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the YES Bank EMI Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Yes Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the YES Bank EMI Credit Card.

• Simply hover your cursor over the YES Bank EMI Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Yes Bank branch to apply for the YES Bank EMI Credit Card.

• Request the credit card application form for the  YES Bank EMI Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  YES Bank EMI Credit Card by post at the same postal address.

• Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a YES Bank EMI Credit Card in 2025 be the right choice?

Obtaining the YES Bank EMI Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In short, the YES Bank EMI Credit Card is a smart and helpful solution for anyone to pay off big expenditures. You can buy products and pay for them in monthly installments with little or no interest on your EMIs. This is quite helpful when you want to buy expensive stuff like vacation tickets, furniture, or technology. You don’t have to pay the whole thing right now; you can pay it off over time. This is better for your money.

It should also be simple to use and flexible. There are a lot of various EMI tenures to select from, so you may find one that works best for your monthly budget. The card is worth more every time you use it because it contains useful features like reward points, no gas fees, and cash back offers. These things make shopping more fun and worth it.

You can use the YES Bank EMI Credit Card at several stores, both online and in person. This means you can use it almost anywhere in India. You can use the card to buy things at your local electronics store, on Flipkart, or Amazon. The EMV chip, contactless payment, and quick warnings mean you don’t have to worry about what you buy.

Frequently Asked Questions (FAQ’s)