YES ACE Credit Card

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(4.2/5)

Joining Fee

₹499 + GST

Renewal Fee

₹499 + GST

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

N/A


Rewards and Benefits

Movie & Dining

N/A

Rewards Rate

For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories

Reward Redemption

The reward points can be redeemed against a variety of products and vouchers available on the website.

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

Purchase Protection is Provided


Fees & Charges

Spend-Based Waiver

Waiver of joining and renewal fee on the basis of the amount spent using the credit card.

Rewards Redemption Fee

Rs. 100 on every redemption request.

Foreign Currency Markup

2.75% of the transaction amount

Interest Rates

3.8% per month

Fuel Surcharge

1% fuel surcharge is waived off across all fuel stations in India.

Cash Advance Charges

2.5% or Rs. 300 (whichever is higher)


Product Details
  • For every ₹200 spent on online purchases, you will get 8 Reward Points.
  • 4 Reward Points on every ₹200 spent offline.
  • 2 Reward Points per ₹200 spent on select categories like rent, insurance, etc.
  • Spend-based waiver of joining and renewal fee.
  • You can avail of great offers on dining, shopping, travel, wellness, etc.


Pros/Cons

Pros

  • Low joining fee of ₹499.
  • Waiver of joining and renewal fees on reaching milestone benefits.

Cons

  • No international or domestic lounge access is provided with this card.
  • You won’t get any movie benefits along with this card.

Yes Bank ACE Credit Card Features and Benefits

Purchase Protection

Insurance cover for mobile phones and electronics purchased online for any accidental damage up to 6 months.

Fuel Surcharge

The 1% fuel surcharge is waived at all fuel stations in India for a minimum transaction of ₹400 & a maximum transaction of ₹5,000. You can get a maximum benefit of ₹125 in a month through the fuel surcharge waiver.

Joining and Renewal Fee Waiver

  • Wavier of joining fee on spending ₹5,000 or more within 30 days of receiving the credit card.
  • Waiver of renewal fee on spending ₹50,000 or more in an anniversary year.

YES Prosperity Rewards Plus/ACE Credit Card Rewards

  • 8 Reward Points on each spend of Rs. 200 for online shopping (except select categories). Capped at 5,000 Reward Points each statement cycle.
  • 4 Reward Points on each spend of Rs. 200 for offline shopping (except select categories).
  • You would earn 2 Reward Points for each spend of Rs. 200 on Select categories, which are Recharge, Utility, Rental, Wallet, Insurance, Education, and Government payments.
  • These Reward Points shall expire after a period of 36 months from the date of earning.
  • No Reward Points shall be earned on fuel transactions, cash withdrawals and payments converted into EMIs.

Rewards Redemption

The Reward Points you earn can be redeemed against various products available on YesRewardz.

Against Flights/Hotels Against Gift Vouchers/Products
1 RP = ₹0.25 1 RP = ₹0.10

Eligibility Criteria

Here are some of the criteria that need to be met for the successful application of the YES Prosperity Rewards Plus Credit Card-

  • The applicant should be between the ages of 21 and 60 years.
  • Applicant should be either self-employed or salaried.
  • The minimum net salary to be eligible for this card is ₹25,000 per month or an
    Income Tax Return of ₹7.5 lakhs or above.

How To Apply for YES Prosperity Rewards Plus Credit Card

You can apply for the YES Prosperity Rewards Plus Credit Card easily with Card Insider. Apply Now for YES Prosperity Rewards Plus/ACE Credit Card. Keep a few documents like PAN Card and Aadhaar Card handy to fill in your details.

You can also apply for this credit card offline by visiting your nearest YES Bank branch.

Customer Care

You can contact the 24*7 customer helpline in the following ways:

  • The toll-free number for mobiles or landlines in India is 1800 103 1212.
  • When calling from outside of India, you can connect to customer care through +91 22 4935 0000.
  • Email ID – [email protected]

YES Bank ACE Credit Card Review

The YES Prosperity Rewards Plus credit card is a great card choice, especially for those who are aiming to save more on their spends. The card not only provides its customers with exclusive reward offers but also provides them with an opportunity to get their joining & renewal fees waived. Moreover, the Reward Points you earn can be redeemed easily against various products/categories.

Therefore, you can save a lot in the form of Reward Points with this card and then use them for several purposes. You also get great offers on dining, travel, shopping, etc., through YesPrivileges, which is again a significant feature of the card. So, if you want to save and have great lifestyle benefits, go with the YES Bank ACE Credit Card.

FAQs:

1. Do I get Reward Points for spends on government services?

Yes, you get 2 Reward Points for every ₹200 you spend on government, utility, insurance, and wallet payments.

2. Can I get my joining fee waived for this card?

Yes, you can get your joining fee waived if you spend over ₹5,000 within the first 30 days after receiving your YES Prosperity Rewards Plus Credit Card.

3. What is the maximum eligible age to apply for this card?

The maximum eligible age to apply for the YES Prosperity Rewards Plus Credit Card is 60 years.

4. What is the reward redemption fee on the YES Prosperity Rewards Plus Credit Card?

The Reward Redemption fee on this card is ₹100 per redemption request.

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