YES BANK EMI Credit Card
YES BANK
₹499
Joining fee
₹499, waived at ₹1.2L spend
Annual fee
Rs 499 annual fee waived if annual spends exceed Rs 1.2 lakh.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed; minimum income Rs 25,000/month OR ITR of Rs 7.5 lakh+.
Lounge access
0 domestic / 0 international visits per year
Reward details
1% cashback across all non-EMI spends, capped at Rs 500/month
Welcome bonus: Amazon voucher worth Rs 500, requires Rs 1,000 spend within 30 days
Redemption
Not detailed in content fetched
Excluded from rewards: EMI-converted transactions ineligible for cashback
- Auto-conversion of transactions above preset limits into EMIs; EMI interest 16% p.a., 1% processing fee, 3-12 month tenure
- Fuel surcharge waiver on Rs 400-5,000 transactions
Real-world feedback
No customer reviews or sentiment data present.
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards