Dear Valued Cardmember,

Greetings from YES BANK.

Please be advised that subject to all other terms and conditions remaining unchanged, the following
features will be revised with effect from 1st Jan, 2020:-
1. Interest Rate on YES BANK Credit Card EMIs:

Interest Rate (per annum) on Instant EMI

All YES BANK Credit Cards
and EMI on Call* (effective 1st Jan, 2020)
3 Months 13%
6 Months 13%
9 Months 14%
EMI Tenure
12 Months 14%
18 Months 15%
24 Months# 15%

2. Instant EMI and EMI on Call transactions will not be eligible for reward points$. However, such
spends shall continue to be considered in the Annual spends criteria for Bonus Reward Points.

In case you need further clarifications, please feel free to call our 24X7 YES Touch Customer Care at 1800
103 1212 or visit www.yesbank.in.
We assure you of the best of services and hope that you will make the most of your card features and
services.

YES FOR YOU!

Sincerely,
YES BANK Limited.

Note:
* The revised rates shall be applicable only on EMI requests received on or after 1st January 2020 and will not
impact the interest rates of EMI requests received before 1st January 2020.
# Interest Rates for EMI on Call and Instant EMI transactions with 24 Months tenure continue to remain the same.
$ Conversion of a retail transaction (for which the reward points have already been earned) into EMI shall lead to
reversal of the reward points.