Yes Bank

YES BANK ACE Credit Card

Apply for YES Bank ACE Credit Card for 4X rewards on online shopping, ₹50,000 gadget insurance cover & 1% fuel waiver. Best for online shoppers.

Shopping
Issued by

Yes Bank

YES BANK ACE Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score720

Key Highlights

Shopping

Reward Points on Offline Shopping

earned at 5X or 3X rates under subscription plans on eligible spends and categories

4 YES Rewardz Points

per ₹200 spent on offline shopping

8 YES Rewardz Points

per ₹200 spent on online shopping, up to 5,000 points per month

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score720

A CRIF score of 720 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the YES BANK ACE Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the YES BANK ACE Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetJoining Fee is fully waived when you spend ₹5,000 within the first 30 days
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹2400

Rewards & Redemption

Reward Conversion1 Reward Point = 0.25
Redemption Options
  • Flights & Hotels
  • Shopping Vouchers
  • E-Vouchers & Gift Cards
  • Mobile Recharge & Bill Payments
  • Catalogue Products
Earning ExclusionsFuel, Rent, Wallet Loads, Government Services, EMI Transactions, Cash Withdrawals
Spend ExclusionsFuel, Rent, Wallet Loads, Government Services, EMI Transactions., Cash Withdrawals

Benefits

All Benefits

  • Earn 8 YES Rewardz Points on every ₹200 spent on online shopping and 4 YES Rewardz Points on every ₹200 spent on offline shopping
  • Earn 2 YES Rewardz Points on every ₹200 spent on Select categories (utilities, insurance, education, etc.)
  • Reward points are capped at 5,000 per statement cycle
  • Enjoy a Buy 1 Get 1 offer on coffee at select malls across India                             

Surcharge Wavier Benefits

  • 1% fuel surcharge waiver on transactions between ₹400–₹5,000 at fuel stations across India

Insurance Benefits

  • Purchase protection cover: up to ₹50,000 for accidental damage purchases
  • Credit Shield / Lost card liability: primary cardholder cover ~₹1 lakh; lost card liability cover ₹1.3 lakh

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.

FAQ