YES Bank EMI Credit Card

Joining fee

₹499 + GSTRs. 499 + taxes, for new cards onboarded on or after 28th Aug,2024

Renewal fee

₹499 + GSTRs. 499 + taxes, for new cards onboarded on or after 28th Aug,2024

Reward rate

1% cashback · everyday spends1% cashback on all transactions that are not converted into EMI.

Surcharge on railway tickets

1% of the transaction amount + GST as Fee if the transaction exceeds ₹30,000 OR the cumulative spends on Passenger Railways category exceeds ₹80,000 in a calendar month; fee will be capped at ₹5,000 per transaction; the fee is over and above any convenience fee/surcharge charged by the railway ticket booking platform

Forex markup

3.5% on foreign currency transactions.3.50% foreign currency conversion charges

Cash advance fee

2.5% or ₹650, whichever is higher.

Interest on unpaid balance

3.99% per month (47.88% annually) on revolving credit, cash advances and overdue amount.

Interest-free period

Interest-free credit period of up to 50 days

Late payment fee

10% of statement balance or ₹1350 whichever is lower.

Over-limit fee

₹550 (plus applicable GST) for any transaction that exceeds the assigned credit limit

Payment return or dishonour fee

Cheque return or Cheque Dishonour fee ₹450 per instance of cheque return; effective 15 th June 2026, 2.5% or ₹500 whichever is higher per instance of auto debit failure/return; charges capped at ₹5,000 per customer per statement

Card replacement fee

₹199 per re-issuance of a lost, stolen or damaged card, effective 15 th June 2026; the revised fee is only applicable to plastic cards; the fee is not applicable to all virtual cards

Cash payment / cash deposit fee

Cash deposit fee at Yes Bank Branches towards Credit Card repayment: ₹500 + GST for amount greater than or equal to ₹1,000 (effective 15 th June 2026)

Cheque payment / dishonour fee

₹250 + GST for cheque deposit at Yes Bank Branches towards Credit Card repayment if the Credit Card repayment amount is Greater than or Equal to ₹1000/- (effective 15 th June 2026)

Education / school fee charge

1% fee + applicable GST on education transactions done through third-party websites and applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month; fee capped at ₹5,000 per calendar month; education transactions done directly through college / school websites or through POS machines at their premises will not be charged

Foreign ATM fee

Cash withdrawals from domestic or international ATMs: transaction fee of 2.5% or ₹650 whichever is higher on all such withdrawals, effective 15 th June 2026; Cash Advance Fee is not applicable for any Virtual Credit Card

Reward redemption fee

₹100 + applicable GST per redemption request, regardless of the number of points redeemed; the fee is not applicable for any credit card that do not offer Reward points as a feature

Wallet load charge

No fee on transactions up to amount of ₹2,000 when loading funds onto third-party wallets; 1% fee on transactions exceeding amount of ₹2,000; maximum fee on any single transaction is ₹5,000

Fuel transaction fee

1% of the transaction amount + GST as fee if the transaction exceeds ₹10,000 OR the cumulative spends on Fuel category exceeds 25,000 (Other Credit Cards threshold amount) in a calendar month; fee will be capped at ₹5,000 per transaction

Rent transaction fee

Rental transactions up to ₹1000, 1% of the transaction value or ₹1 whichever is higher; above ₹1000, 1% of the transaction value or ₹199 whichever is higher; rental transactions are capped at 5 per 30 days period

Utility transaction fee

All other cards: 1% of the transaction amount + applicable GST on all Utility transactions if the cumulative spends on Utility category exceeds ₹25,000 in previous calendar month; charges are capped at ₹5000 per transaction

GST note

18% (Applicable on all fee and charges)

Grace days after the due date

Account is eligible for late fee assessment if the minimum amount due is not received within the payment Due Date + Grace days

Minimum amount due

MAD = {Total GST + EMI amount + Membership/Rental/Wallet fees + Amount over the credit limit (if any)} + {(Finance Charges + other fees + 2% of Retail/Cash outstanding) or ₹200, whichever is higher}; once the account becomes NPA, the minimum due is not applicable i.e. the minimum amount is same as total amount due

Age the primary cardholder must be

21 to 60 years

Eligibility

Salaried or self employed

Income requirement

Minimum net salary of ₹25,000 per month or Income Tax Return of ₹7.5 lakhs and above