No. None of the Xiaomi phones comes with the earphone. You have to purchase it separately.
Yes, You can have 2 different WhatsApp account on Redmi Y2.
Yes, Redmi Y2 does have the EIS for the video recording.
Yes, Redmi Y2 does have a dedicated MicroSD card slot. You can use 2 sim cards and a memory card at the same time.
The Xiaomi Redmi Y2 is a slightly better attempt at a selfie-focused smartphone than the model it replaces. It has proven hardware that is capable of delivering a smooth user experience, plus MIUI 9.5 which has a lot of added features.