Yes Bank ACE Credit Card: Features & Apply

Summary

People today want to save money on things they buy every day, and the Yes Bank ACE Credit Card is a smart and useful way to do that. You may earn points and get great rewards with the card for things like shopping online, paying your energy bills, filling up your gas tank, and more. This is quite useful for people who shop in these places a lot.

There is also a small yearly fee that you may usually avoid by spending a certain amount each year. You may take advantage of the benefits without having to worry about spending too much. When new users sign up, they also get great perks like shopping cards and bonus points.

You may pay with the card without touching it, which makes your purchases faster and safer. Not having to pay for gas, going into airport lounges, and having insurance that covers your purchases are all things that can make your life better. You can even break up big purchases into smaller EMIs, which makes it easier to keep track of your money.

Introduction

Having a credit card is more than just a convenience in today’s fast-paced world; it’s also a wise way to manage your money. Credit cards make it easy to purchase online, eat out, and pay your energy bills. They also give you perks and freedom. The Yes Bank ACE Credit Card is one of the best credit cards in India since it offers a unique mix of advantages and low cost. This card is made just for the modern Indian consumer. It comes with attractive cashback incentives, reward points, and exclusive lifestyle benefits—all in one bundle.

Yes Bank is one of India’s best private banks. It is known for putting its customers first and coming up with new ways to do business. The bank has come out with a number of credit cards that are tailored for people with diverse spending habits and lifestyles. The Yes Bank ACE Credit Card, on the other hand, is made for people who want to get the most out of their everyday expenditures, especially when it comes to paying bills, travelling, and shopping, as they spend.

Additionally, this card is even more appealing because it has a cheap annual fee and a significant cashback value, which is not common for entry-level credit cards. You get cash back practically every time you use it, whether it’s to pay your electricity bill or recharge your phone. This not only helps you save money each month, but it also encourages you to use your credit card more wisely and with more thought. 

The Yes Bank ACE Credit Card is sleek, attractive, and works well. It may be used at millions of stores across the world. It lets you convert your EMI, get rid of gasoline surcharges, and get exclusive bargains from partner retailers. 

What is the Yes Bank ACE Credit Card?

The Yes Bank ACE Credit Card is a unique credit card that helps you save money on things you buy every day. This is a cashback credit card, which means that every time you make a qualifying purchase, you earn a set amount of your money back. This card gives you something in exchange for paying your power bills, purchasing tickets, or shopping online.

Also, this credit card is great for consumers who often pay for things like utilities, meals, travel, and shopping online. One of the best things about it is that it gives flat cashback on different categories. This makes it easy and useful for people who don’t want to deal with intricate reward point systems. The card also has lifestyle features like access to airport lounges, no fuel surcharges, and the ability to make payments without touching anything, all of which make your life easier and more comfortable.

How is the design of the Yes Bank ACE Credit Card?

The Yes Bank ACE Credit Card looks modern, sleek, and interesting. First, the card is black and has a smooth matte finish, which gives it a high-end look and feel. The huge letters on the front that spell out “ACE” make the card look even more sophisticated.

The card’s design is similarly clean and basic, with all the relevant information, including your name, card number, and expiration date, in neat places. This not only helps the card seem great, but it also makes it easy to read. You can also pay with the card without touching it, so you can make quick and safe transactions without having to swipe or enter a PIN for modest amounts.

What are the benefits of the Yes Bank ACE Credit Card?

Here are the main features of the Yes Bank ACE Credit Card stated in plain language with smooth transitions:

Points for rewards and cash back

• Online shopping rewards: For every ₹200 you spend online (with some exceptions), you get 8 Rewardz points. This adds up rapidly. 

• Rewards for purchasing offline: You get 4 points for every ₹200 you spend in stores. 

• Choose category rewards: You get 2 points for every ₹200 you spend on things like paying bills, recharging, paying rent, and getting insurance. 

• You can change 10 Rewardz points into 1 InterMiles or Club Vistara point. This is perfect for people who travel a lot. 

Waiver of Fuel Surcharge

• You get a 1% discount on the fuel purchase surcharge (for transactions between ₹400 and ₹5,000), which means you save money on stops for gas or diesel. 

• The waiver is limited to about ₹125 per month, which helps you better control your gasoline costs. 

Offers for Waiving Fees

• You can get the ₹399 joining cost back if you spend ₹5,000 in the first 30 days. 

• If you spend ₹50,000 in a year, you won’t have to pay the ₹399 yearly charge. 

• Plus, there is often a welcome gift, like a ₹500 Amazon gift card after spending ₹1,000 in the first month. 

Insurance and Protection

• Credit Shield cover: Up to ₹1 lakh in case of accidental death to preserve outstanding balances 

• Lost-card liability: If your card is stolen or lost and used in a way that is not allowed, you are protected up to ₹1.3 lakh. 

• Fincover.com offers purchase protection for the first six months, covering up to ₹50,000 in unintentional damage to internet and mobile equipment.

Good for travel

• Low forex markup: Only 2.75% on foreign transactions, which is less than what most ordinary credit cards charge. 

• You can turn purchases above ₹1,500–₹2,500 into easy EMIs with low interest rates (12–15% per year). 

What are the fees for the Yes Bank ACE Credit Card?

Here is a simple breakdown of the  Yes Bank ACE Credit Card fee.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.80% per month (45.60% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Yes Bank ACE Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Yes Bank ACE Credit Card?

The documents that you will have to submit to get the Yes Bank ACE Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Yes Bank ACE Credit Card be used?

Here is the list of places where you can use it:

• With the Yes Bank ACE Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Yes Bank ACE Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Yes Bank ACE Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Yes Bank ACE Credit Card?

The credit amount you can spend is what you are provided with when you have a Yes Bank ACE Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the Yes Bank ACE Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Yes Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Yes Bank; for instance, you can choose the Yes Bank ACE Credit Card.

• Simply hover your cursor over the Yes Bank ACE Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload the following documents: your identity proof, address proof, income proof, and a photograph, as listed above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can request additional documents or information if necessary.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Yes Bank branch to apply for the Yes Bank ACE Credit Card.

• Request the credit card application form for the  Yes Bank ACE Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Yes Bank ACE Credit Card by post at the same postal address.

• Once you receive your card, please activate it by following the instructions provided in the envelope through the Yes Bank Card website, mobile app, or by contacting customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Yes Bank ACE Credit Card in 2025 be the right choice?

Obtaining the Yes Bank ACE Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Yes Bank is also a strong bank with high customer service, making it a dependable choice. However, don’t forget to ensure that you can handle your credit responsibly by paying your bills on time and keeping your credit utilization below its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In short, the Yes Bank ACE Credit Card is a good choice for people who wish to save money while still having the convenience of a credit card. To start, it gives you great cash back on everyday costs like energy bills, mobile recharges, and shopping online. This is a great option for folks who often buy things in these categories and want to get something back. 

The card also has many lifestyle features, such as access to airport lounges, no fuel surcharges, and contactless purchases, which make the experience even better. These features make your daily transactions not only more lucrative but also safer and faster. Also, the low annual fee and the fact that you can get it waived if you use it often make this card quite cheap in the long term.

The Yes Bank ACE Credit Card is also fantastic because it looks good and can be used anywhere in the world. It works perfectly for both domestic and foreign purchases. Also, it’s easy to receive this card because the requirements are basic, a nd the application process is quick and uncomplicated.

Frequently Asked Questions (FAQ’s)