YES Bank EMI Credit Card 2025
Auto EMI on >₹5K Spends
1% Cashback All Spends
1% Fuel Waiver
₹500 Welcome Voucher
Save over ₹10,000+ every year with auto EMI + cashback + waivers!
EMI-focused entry card! YES EMI auto-converts spends >₹5K to EMI at 16%, 1% cashback up to ₹500/month, 3% on YES Cart, and ₹500 Amazon welcome.
Ideal for big purchases without hassle!
Why Choose YES EMI in 2025?
Auto EMI 16% • 1% cashback • Fuel waiver • 3% on portal • No doc EMI
Best for: Big buyers, installment lovers, low income
Card At a Glance
Joining Fee
₹499 + GST
₹499 + GST
Annual Fee
₹499 + GST
₹499 + GST
Cashback Rate
1% All Spends
1% All Spends
EMI Interest
16% p.a.
16% p.a.
Tenures
3-24 Months
3-24 Months
Forex Markup
3.5%
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Welcome Benefit | ₹500 Amazon on ₹1K spend |
| EMI Processing Fee | 1% of amount |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹250/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 1% cashback on all spends (max ₹500/month)
- 3% on YES Cart spends
- No cashback on EMI txns
- Auto credited to statement
- Excludes EMI, fuel, wallets
Airport Lounge Access
No complimentary access – EMI & cashback focus
Insurance & Protection Benefits
- Accidental death ₹5L
- Lost card ₹50K
- Fraud zero liability
- Contactless tech
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Auto EMI conversion | No rewards on EMI |
| 1% cashback daily | Basic benefits |
| Low ₹25K income | 16% EMI rate |
| ₹500 welcome | No lounges |
| Fuel waiver | |
| Easy approval |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Monthly Income: ₹25,000
- Credit Score: Not required
- Documents: PAN, Aadhaar, income proof
How to Apply Online (5-Minute Process)
- Visit YES Bank site, select EMI Card
- Enter details for pre-approval
- Upload PAN, Aadhaar, salary
- Video KYC quick
- Virtual card in 7 days
Final Verdict – Should You Get It in 2025?
Best for easy EMIs! Auto conversion + 1% cashback = ₹10K+ savings. Great starter for installment needs!
Frequently Asked Questions (FAQs)
Auto EMI threshold?
Yes! >₹5K auto converts at 16%.
1% cashback cap?
Yes! Max ₹500/month, auto credit.
Tenures available?
Yes! 3-24 months flexible.
Low income OK?
Yes! ₹25K/month minimum.
No score needed?
Yes, entry-level easy approval.