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**Disclaimer: YES Bank Credit Card is not a Bajaj Markets product. Offers would be from partner Banks/NBFCs only

YES Bank offers multiple credit cards with a wide range of exclusive benefits and offers. These cards not only let you earn while you shop, but also manage your spends effectively through the YES Bank credit card EMI facility. 


Through options like ‘EMI on Call’ and ‘Instant EMI’, YES Bank allows you to split your big bills into convenient instalments. You can choose from a flexible repayment tenor that best suits your repayment capacity to make your expensive purchases more affordable. 

YES Bank Credit Card EMI Features

The EMI feature on the YES Bank credit card allows you to manage your big-ticket spends easily. In addition, you get to enjoy the following benefits:

No Documentation

You do not need to furnish any documents to convert your transaction into EMIs

Minimal Processing Fees

You may have to pay a processing fee that falls between ₹199 and ₹399 for the ‘Instant EMI’ facility

Flexible Repayment Option

Choose from a flexible repayment tenor ranging from 3 to 36 months

Low Minimum Amount for EMI Conversion

Convert a purchase worth as little as ₹1,500 into monthly instalments

Competitive Interest Rates

Manage your big-ticket expenses at attractive Yes Bank Credit Card EMI interest rates starting at 16% p.a.

Wide Acceptance

Enjoy the EMI facility at various partner stores and merchants to buy groceries, apparel, and gadgets or for travel ticket bookings

How to Convert YES Bank Credit Card Purchases into EMI

You can enjoy the YES Bank Credit Card EMI facility for your online and retail purchases in the following ways:

  • Retail Store Purchases

When making a transaction, swipe your card at a partner merchant to make use of the ‘Instant EMI’ facility

  • Online Purchases 

Select the YES Bank credit card as your preferred payment option at checkout to convert the bill amount into EMIs, on e-commerce platforms

  • EMI on Call

Convert your purchases into EMI by calling the YES Bank credit card customer care number (Available to select credit cards from YES Bank)

YES Bank Credit Card EMI Interest Rate and Charges

Your monthly instalment depends on the APR and other fees that the issuer charges. Here are the details relating to the YES Bank Credit Card EMI interest rate and charges:  

  • YES Bank credit card EMI interest rate is 16% p.a.

  • 18% GST is applicable on the interest amount, processing fee, and foreclosure fee

  • A processing fee of 2% of the transaction amount is applicable for all of the YES Bank’s ‘EMI on Call’ transactions

  • No processing fee is charged on the ‘Instant EMI’ service

Check out the YES Bank credit card fees and charges in detail to know more.

Frequently Asked Questions

How can I convert my YES Bank credit card’s outstanding amount to EMI?

It is quite simple to convert a credit card bill into EMI with YES Bank. For retail store purchases, request for an ‘Instant EMI’ before making the payment at the billing counter. For online purchases, select EMI as your preferred payment option at the bank’s partners’ app/website.

How long does it take to process my YES Bank credit card EMI conversion facility?

With completely digital and advanced systems in place, YES Bank offers the ‘Instant EMI’ service, which lets you convert purchases into EMIs instantly.

What are the important points to remember when opting for the YES Bank credit card EMI facility?

Firstly, you should be the primary cardholder of the YES Bank credit card and must go through all the terms and conditions. Also, note that when you convert your purchases into EMI, the available credit on your card is lowered.

Moreover, you must not default on your credit card payments after making use of the EMI benefit on the credit card. If there is a transaction reversal or a chargeback dispute prior to the processing of the request, the ‘EMI on Call’ request will not be processed.

What is the interest rate applicable to the YES Bank Credit Card EMI conversion facility?

The applicable annual interest rate to the YES Bank Credit Card EMI is 16%.

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