Monepoint
CashbackFuel

Yes Bank

EMI Credit Card

A flat 1% cashback card built around automatic EMI conversion on eligible transactions, with no lounge access.

Joining fee
₹499
Annual fee
₹499
Status
Open
Verified
3 September 2026

Fees

Joining fee
₹499
Annual fee
₹499
Fee waiver
Waived above ₹1,20,000 annual spend
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

cashback

  • everything-else: 1%On non-EMI ("other") transactions.

No spend-based renewal-fee waiver applies to the 1st-year membership fee — only the 2nd-year-onward renewal fee is waived on ₹1,20,000 annual spend.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • The annual fee is waived once you spend 1,20,000 in a year.
  • Rewards pay back as cashback rather than points that need redeeming.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge