Step-by-Step Guide: How to Convert Your YES BANK Credit Card Purchases into Easy EMIs

Big purchases don’t mean BIG BILLS anymore! Convert your YES BANK-BankBazaar FinBooster Credit Card transactions into affordable EMIs and keep your spending tension-free! Enjoy instant EMI conversion with more than 80,000 merchant partners.

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Key Benefits

  • Zero documentation
  • Low processing fees
  • Repayment options available from 3 months to 24 months
  • Easy conversions of transactions from as low as Rs. 1,500
  • Attractive interest rates starting from 14% p.a.

Process to Avail

For retail store purchases:

  • Simply ask for Instant EMI at the payment counter before making the payment

For online purchases:

  • Simply select the EMI option while making the payment on partner’s app/website

Note: Availing No-Cost EMI on your card on Amazon: Watch Video

To convert your purchase amount into EMI over call/SMS:

  • 1800 103 6000 (Toll-free for mobile & landlines in India)
  • +91 80 6871 0002 (When calling from outside India)
  • SMS YESEMI to 56161

Points to Remember

  • Tenure: The EMI will be offered for a maximum tenure of 36 months with options of 3, 6, 9, 12, 18, 24 & 36 months.
  • Interest rate: EMI is calculated at an annual rate of interest ranging from 9.9% to 24% p.a. on a monthly reducing balance.
  • Processing fee: Processing fee ranging from 0% to 2% of the transaction amount is applicable for all EMI on Call transactions unless explicitly specified on the call by YES BANK. This will reflect along with the first EMI amount on the card statement.
  • For EMI conversions through Credit Card Statement, a processing fee of 2% of transaction value and the standard rates of interest will apply.
  • If there is a transaction reversal or a chargeback dispute prior to processing of the request, the EMI on call request will not be processed.
  • Be sure not default on your Credit Card payments post availing the EMI benefit on your Credit Card.


Q: How can I convert my outstanding Credit Card bill amount into monthly EMIs?

A: There are 3 options to choose from while converting your bill:

1) For retail stores purchases: Convert into monthly EMIs directly while at the check-out counter and billing is being processed.

2) For online purchases: Convert via selecting the EMI option at checkout on the partner’s app/website.

3) For converting over call/SMS: Call the toll-free number – 1800 103 6000 (calling from India)/
+91 22 4935 0000 (calling from overseas). For SMS, message YESEMI to 56161.

Q: How long will it take to convert my bill into EMIs?

A: The processing time for the YES BANK Credit Card EMI conversion facility can vary depending on various factors such as the Credit Card type, purchase amount, and EMI tenure selected. Banks usually take 2-4 days to process the EMI conversion. However, it is recommended to check with the YES BANK customer care service for an estimated processing time and any need-to-know information on the EMI conversion request.

Q: What should I keep in mind while opting for the EMI facility?

A:  Please keep the following in mind while choosing the EMI option:

  • You should be a primary cardholder of the YES Bank Credit Card
  • Ensure to read the terms and conditions carefully before choosing tenure and interest rates options
  • Late Payment Fees: Make sure to pay the EMI amount on time to avoid late payment fees and penalties

View Terms and Conditions