YES Bank ACE Credit Card

The following are the major features of YES Bank ACE Credit Card 

1. Reward Points: Earn another 2X reward points on all eligible spends, up to 5,000 points cap per statement cycle. This includes the benefit of earning 8 YES Rewardz Points per Rs.200 spent on online shopping (excluding certain categories) for grade, earn 4 points per Rs.200 spent on offline shopping, and earn 2 points per Rs.200 spent on selected categories. Reward points are not applicable in respect of any rent, fuel, UPI, government payments, wallet transactions, or transactions that are converted into EMIs. 

1. Lifestyle Benefits: Get curated offers across travel, food, shopping, wellness, and entertainment for selected cities. These lifestyle benefits provide discounts, cashback and exclusive availability with partner merchants.  

1. Foreign Currency Markup: Get a preferential foreign currency markup of 2.75% on all international transactions whether the transaction is in respect of POS, Online OR ATM usage outside India.  

1. Purchase Protection: Insurance coverage for up to Rs.50,000 for accidental damage for 6 months on mobile phones and electronics purchased from an online Merchant.  

1. Multiple Payment Options: Instant EMI for larger purchases, Post Purchase EMI that allows you to convert purchases after completion of the transaction into EMIs, Quick Loan facilities for emergencies, YES PayNow for instant transfers, E-mandate for recurring payments. 

1. Contactless Payments: Payments at Retail Outlets are easy, fast, secure & contactless through NFC technology. 

1. Card Control: Via the mobile app you can manage card block/unblock, domestic & international credit limits, Transactions tracking, Activate/Deactivate features. 

YES Bank ACE Credit Card Benefits

These are the advantages of YES Bank ACE Credit Card 

1. Increased Reward Earnings: Get maximum value on your everyday spending with accelerated rewards points.  

1. Cost Savings on Fuel: Waiver of 1% fuel charge on transactions of Rs.400 - Rs.5,000 at fuel stations in India. 

1. Peace of mind: Credit Shield cover of Rs.1 lakh and Lost Card Liability cover of Rs.1.3 lakh for emergencies or if the card is lost.  

1. Global Use: The card can be used globally with a preferential foreign currency markup fee (of 2.75%). 

1. Flexibility in Redemptions: Redeem your points on the YES Rewardz portal for vouchers, air miles and lifestyle benefits.  

1. Convenient: Contactless payments and access to your mobile phone app for secure payments, with speed. 

YES Bank ACE Credit Card Fees and Charges

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

Eligibility Criteria for YES Bank ACE Credit Card

To be eligible to get a YES Bank ACE Credit Card, you need to fulfill the following eligibility criteria:

1. You should be a minimum of 21 years.
2. You should not be over 60 years.
3. You should be a salaried individual or self-employed.
4. Your minimum net monthly salary should be Rs.25,000.
5. If you are self-employed, your Income Tax Return should be Rs.7.5 lakh or more.

Documents Required for YES Bank ACE Credit Card

Yes Bank Customer Care/ Complaints

How to Apply Online for YES Bank ACE Credit Card

You can apply for YES Bank ACE Credit Card online by following the instructions given below:

1. Visit the Official Website : Go to the YES Bank ACE Credit Card page.
2. Share Basic Details : Enter personal information including full name, date of birth, mobile number, email, and residential details.
3. Select Card Variant : Choose the ACE Credit Card or RuPay variant if applicable. Decide if you want a physical card or a virtual card for immediate online transactions.
4. Upload KYC Documents : Upload scanned copies of proof of identity, proof of address, and proof of income.
5. Review and Submit : Verify all details are correct and submit the application online.
6. Application Verification : YES Bank verifies your details, credit history, and documents. You may be contacted for additional information.
7. Approval Notification : Receive confirmation of approval via SMS, email, or call along with the credit limit details.
8. Card Issuance : Virtual Card will be Instantly available for online transactions. Physical Card will Dispatched to your registered address within the specified timeline.
9. Activate Card : Activate via the YES Bank mobile app, net banking, or phone banking.
10. Start Using the Card : Use for online shopping, offline transactions, EMI conversions, and payments.

How to Apply for YES Bank ACE Credit Card Offline

Follow the steps given below to apply for YES Bank ACE Credit Card offline:  

1. Visit a YES Bank Branch : Go to the nearest YES Bank branch and request the ACE Credit Card application form.
2. Fill in Basic Details and Submit KYC Documents : Complete the form with personal details including full name, date of birth, contact number, email, and residential address.
3. Form Submission : Submit the completed application form along with all supporting documents to the branch representative.
4. Verification by Bank : Bank officials review your application and you will receive confirmation of approval via SMS, email, or phone.
5. Card Issuance : The physical ACE Credit Card is dispatched to your registered address.   

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