YES bank EMI CARD

Apply for the best credit card of Yes Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
YES bank EMI CARD
  • Best suitable for: Shopping
  • Joining Fee: ₹ 499+ GST + GST
  • Annual Fee: ₹ 499+ GST + GST
  • Welcome Benefits: Not Aplicable
Yes Bank Emi Card

YES bank EMI CARD: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 499+ GST
Annual/Renewal Fee:₹ 499+ GST
Finance Charges:3.80% per month (45.60% annually)
Spend Based Waiver:Spend 1,20,000 in card anniversary year and get waiver on renewal fee for the subsequent year
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 500/-
Rent Payment charges1% Processing fee transaction amount
Forex Charges:3.4% of the transaction value
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:450/- per returned cheque
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 500150
Above 500/- and up to 5000500
Above 5,000/- and up to 25,000750
Above 25,000/- and up to 50,0001100
Above 50,000/-1200

YES bank EMI CARD: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net monthly income of 20,000/- or more and Self-Employed Individuals/Professionals: A minimum annual income of 2.4 lakhs.
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

YES bank EMI CARD: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 500) of the cash amount
Cash Advance Withdrwan Limit: Upto 30% of the card limit
Cash Payment at Bank Branch: Rs. 100/- for every Cash payment

YES bank EMI CARD: Customer care and helpline

Customer care : 1800 1200
Email Address : [email protected] | [email protected]
Mailing Address: YES Bank House, Off Western Express Highway, Santacruz East, Mumbai 400055

Add-on Card facility: NIL (Maximum up to 3 add-on cards can be issued)

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: 100/- per redemption request

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 400 to 5,000 and Maximum of 250 per month.

FAQ of YES bank EMI CARD

Q1. What is the annual fee of YES bank EMI CARD?
The Annual fees of YES bank EMI CARD is 499+ GST. And there is Joining fees is 499+ GST.

Q2. What is the interest rate on the YES bank EMI CARD?
The YES bank EMI CARD has an interest rate of 3.80% per month (45.60% annually)

Q3. Are there foreign transaction fees on the YES bank EMI CARD?
Yes, The YES bank EMI CARD charges a 3.4% fee for all transactions in foreign currency .

Q4. What is the credit limit of YES bank EMI CARD?
The credit limit for the YES bank EMI CARD is based on multiple factors, such as your income, repaying capacity, and credit history. Yes Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Yes Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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