YES Bank ACE Credit Card

The features and benefits associated with this credit card are given below.

Reward Points – The reward points that can be earned on this credit card are:

• 8 YES Rewardz Points per Rs. 200 spent on online shopping, up to 5,000 points per month
• 4 YES Rewardz Points per Rs. 200 spent on offline shopping
• 2 YES Rewardz Points per Rs. 200 other spends, like recharge, education, govt., insurance and utility spends
• Fuel spends, cash withdrawals and purchases converted into EMIs do not accrue any reward points
• 3X or 5X rewards via subscription plans worth Rs. 1,000 or Rs. 2,000 respectively

Insurance Coverage – Credit shield worth Rs. 1 lakh, lost card liability cover worth Rs. 1.3 lakh and purchase protection cover of up to Rs. 50,000 for 6 months for accidental damage or burglary of mobile & electronics purchased online.

Fuel Surcharge Waiver – 1% fuel surcharge waiver, up to Rs. 125 per month, for fuel spends worth Rs. 400 to Rs. 5,000

Also Read: YES First Business Card

The fees and charges associated with YES ACE Credit Card are:

Fee/Charge	Amount/Rate
Joining Fee	Rs. 399 (reversed on spending Rs. 5,000 within 30 days of card set up)
Renewal Fee	Rs. 399 (waived off on spending 50,000 in the previous year)
Interest Rate	3.99% p.m. (47.88% p.a.)
Foreign Exchange Mark-up	2.75%
Late Payment Charges	For outstanding amount of – Up to Rs. 500: Nil Above Rs. 500: Rs. 1,350 or 10% of total outstanding amount, whichever is lower

Click here for the detailed charges and other terms and conditions applicable to YES Bank Credit Cards.

Criteria	Details
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 25,000 per month
Minimum Income for Self-employed Applicants	ITR of Rs. 7.5 lakh or above
Age	21 to 60 years old
Documents Required	Click Here for the list of acceptable documents

YES Bank ACE Credit Card is a great reward credit card as you can avail reward points on select categories and can also redeem them against various products from YES Bank’s catalogue or Airmiles. Not only this, you can enjoy other perks like annual fee waiver, card protection plan, instant EMI options, etc. However, if you are not looking for a credit card offering reward points, you should not consider applying for this card.

People also looked for the following reward credit cards:

Credit Card	Annual Fee	Key Feature	Rating
Standard Chartered Platinum Rewards Credit Card	Rs. 250	Earn 5X reward points on dining and fuel spends Earn 1 reward point on every spending of Rs. 150 on all the other categories	3/5
HDFC Regalia Credit Card	Rs. 2,500	4 reward points per Rs. 150 on all retail spends, including insurance, utilities, education and rent	4/5
HDFC Bank Diners Club Rewardz Credit Card	Rs. 1,000	Earn 1000 Reward Points on successful sign-up Earn 3 Reward Point per Rs. 150 spent on retail	4/5

Q. My credit score is 350. Can I apply for YES Bank ACE Credit Card?
If your credit score is above 750, then there are high chances that your application for YES Bank ACE Credit Card will be approved. But if your credit score is 350, which is considered to be poor, some banks might reject your application.

Q. Is there a fuel surcharge fee on this credit card?
No, YES Bank ACE Credit Card does not charge a fuel surcharge fee as long as the user spends between Rs. 400 and Rs. 5,000.

Q. I am a YES Bank Account holder. Can I make credit card bill payment via netbanking?
Yes, if you are a YES Bank account holder, you can easily make credit card bill payment through netbanking.

Q. How much cash advance fee is charged on YES Bank ACE Credit Card?
If you have YES Bank ACE Credit Card, you will have to pay a cash advance fee of 2.5% of the transacted amount or a minimum of Rs. 300 (whichever is higher) which will be billed in the next monthly statement. The transaction fee is subject to change at the sole discretion of the bank.

Q. I am 20 years old. Am I eligible to apply for YES Bank ACE Credit Card?
No, to apply for YES ACE Credit Card, your age must be 21 to 60 years old.