YES Bank Credit Card EMI - Online/Offline

EMI on Call

Given below are the contact details to avail the 'EMI on Call' facility:

1. YES FIRST Credit Cards 1800 103 6000 (Toll-Free for Mobile & Landlines in India) +91 22 4935 0000 (When Calling from Abroad)
2. YES Prosperity Credit Cards 1800 103 1212 (Toll-Free for Mobile & Landlines in India) +91 22 4935 0000 (When Calling from Abroad)

Instant EMI

You can avail of the 'Instant EMI' facility at merchant partners throughout the country. For online purchases, choose the 'EMI option' while making payments on the partner's website or app. In case of offline purchases, request 'Instant EMI' at the payment counter before you make the payment.

Things to Keep in Mind about YES Bank Credit Card EMI

Here are a few points you should keep in mind when converting the purchases made from your YES Bank credit card into EMIs:

1. You must provide the appropriate YES Bank credit card to use the EMI facility.
2. You must be familiar with the EMI payment terms and conditions.
3. If the transaction was reversed or a chargeback dispute was filed against the specified purchase transaction before the request was processed, the 'EMI on Call' request will not be completed.
4. With EMI purchases, the spending capacity of your credit card will be reduced.
5. After you avail the EMI facility, you must make sure the outstanding balance is paid at the end of the month.

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FAQs on YES Bank credit card EMI

• What is the minimum transaction amount eligible for YES Bank credit card EMI conversion?

  Transactions of Rs.1,500 and higher are eligible for YES Bank credit card EMI conversion.

• What if the EMI is cancelled?

  If you cancel an EMI-converted purchase, you need to reach out to the 24*7 YES TOUCH customer care number, which is printed on the back of the credit card.

• Can I use the add-on credit card to get an EMI?

  The EMI feature is available to add-on cardholders, but all requests will be charged to the primary card used for Instant EMI. Both primary and add-on cardholders will be held jointly accountable for the transaction and usage of this feature.

• Can I shift from one EMI plan to another?

  No, you cannot shift from one EMI plan to another.

• What happens to the card's credit limit when the transaction amount is converted into EMI?

  The 'EMI on Call' facility will restrict your card's credit limit to the maximum amount of the facility availed, including GST and any applicable costs. The credit limit on the card will be decreased until the full payment is made.

• What are the interest rates for YES Bank credit card EMI?

  Depending on the EMI feature you have selected, the interest rates will vary.

• What are the tenure options offered on the 'EMI on Call' facility?

  The tenure ranges between 6 months and 36 months on the 'EMI on Call' facility.

• Is the EMI facility offered to all YES Bank credit cardholders?

  No, the EMI facility is offered to only select YES Bank credit cardholders.

• How to avail the 'Instant EMI' facility online?

  To avail the 'Instant EMI' facility online, you need to choose the 'EMI option' while making payments on the partner's website or app.