Yes Bank ace Credit Card
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Looking to unlock a world of exciting rewards and fuel your lifestyle? Look no further than the YES Bank ACE Credit Card! This powerful card lets you shop big, earn points, and enjoy exclusive benefits, opening doors to a richer experience. Apply today for your credit card and elevate your shopping experience to new heights! Read on to know more.
Features & Benefits
Fees & Charges
| Fees/Charges | Amount | Description |
|---|---|---|
| First Year Membership Fee | ₹399 + GST | Spend INR 5,000 in first 30 days and get waiver on first year membership fee |
| Renewal Membership Fee* | ₹399 + GST | Spend INR 0.5 Lakh in a year and get waiver on renewal membership fee for subsequent year |
| Revolving Credit Interest Rate | 3.8% per month (45.60% annually) | 2.49% per month on FD Backed Card |
| Foreign Transaction Fee | 2.75% + GST | - |
| Rewards Redemption Fee | ₹100 | On every redemption request |
All About the Card
Overview
The YES ACE Credit Card from YES Bank is an ideal choice for Indian shoppers, combining elegance and practicality. Cardholders receive a free Amazon voucher and a slew of other incentives for a low registration cost of INR 399. These include lucrative incentives for both online and offline shopping, fuel surcharge waivers, substantial eating discounts, and full insurance coverage.
Furthermore, the card provides fee waivers, special travel and leisure benefits, and a clear pricing structure. With an emphasis on improving everyday transactions, the YES ACE Credit Card is great for people looking for ease, savings, and a bit of glam in their financial activities.
Highlights
| Key Highlights | Description |
|---|---|
| Best Suited for | Shopping , Rewards |
| Annual fee | ₹399 + GST |
| Additional Benefits |
|
Features & Benefits
The YES ACE Credit Card is widely recognized as one of the top YES Bank credit cards in India. This credit card stands out in the competitive financial product market due to its outstanding reward programs, cashback offers, and several lifestyle perks. It is intended for people who want a balance of ease, savings, and exclusivity in their financial activities. The YES ACE Credit Card claims to improve the user experience with its tailored perks and top-tier customer support.
Fee Waiver Benefits
The ACE card offers an annual fee waiver, a significant benefit for those who use their card frequently. Users can enjoy a cost-efficient experience by meeting specific spending targets, eliminating the annual fee. This feature is particularly attractive for regular shoppers and travelers, aligning with their spending habits and offering substantial savings over time.
- Get the joining fees reversed by spending INR 5000 within 30 days of the card activation.
- Enjoy the renewal fee waiver from the second year by spending INR 50,000 a year.
Fuel Benefits
Tailored for those who spend a lot on fuel, the card provides a surcharge waiver at petrol stations across India. This benefit is particularly valuable for frequent drivers, making fuel purchases more economical. The convenience of saving on fuel costs adds to the appeal of this card for daily commuters and long-distance travelers alike.
- Enjoy the 1% fuel surcharge waiver on all your fuel purchases.
- This will be offered on transactions of INR 400 – 5000.
- The total waiver applicable in a month is INR 125
Dining Benefits
Dining enthusiasts can enjoy exceptional perks from YES ACE, including enticing discounts and rewards at many affiliated restaurants. This feature enhances the dining experience, making it a popular choice among foodies. Cardholders can enjoy a combination of culinary delights and savings, whether they like sophisticated dining or informal dining.
– Get a whooping 15% off your eating at certain restaurants.
Other Benefits
This card offers opulent perks beyond conventional offerings, such as complimentary admission to airport lounges, unique trip booking deals, and access to premium experiences. These added benefits meet the lifestyle needs of rich customers, considerably improving their travel and leisure experiences:
- Convert your transactions of INR 1500 and above to easy pay EMIs.
- Get the facility to convert your transactions to EMI over a call only.
- Enjoy the low foreign currency markup fee of 2.75% only.
- Get up to 50 days of interest-free period.
- Connect with customer support for all your needs 24*7.
- Enjoy the facility of getting add-on cards for your family members.
- 3D secure setup for safe and secure transactions.
- The zero card liability features assist you in safety in case your card is stolen or lost.
- Set PIN in no time and start transactions.
Reward Points
The rewards program of the YES ACE is highly attractive, offering points for every purchase made and making this one of the best rewards credit cards in India. These points have a high redemption value, turning everyday expenses into rewarding experiences. The program is designed to make regular purchases more beneficial, and appealing to many consumers.
- Get 8 reward points for spending INR 200 on online purchases.
- Receive 4 reward points for spending INR 200 on offline purchases.
- Enjoy 2 reward points for spending INR 200 on selected categories.
- For a statement cycle, you can earn a maximum of 5000 Rewardz points on online shopping categories.
How to Apply?
If the user is an offline person, just head over to the nearest Yes Bank branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit offers.shepays.com and navigate to the ‘Credit Card’ section.
Step 2: Select the Yes Bank ace Credit Card from the available options and click on ‘Apply Now’.
Step 3: Fill out the online application form with personal and financial details once you’re redirected to Yes bank application portal.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank’s decision.
It’s always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
Eligibility Criteria
To be eligible to apply for the ACE Credit Card, you’ll need to meet simple eligibility criteria and keep certain documents handy. We’ve highlighted the same below:
- You must be between the ages of 21 and 60
- You must be salaried or self-employed
- Minimum monthly income- ₹25000
- ITR(For Non-Salaried Person)- ₹750000
- Minimum Credit Score- 700
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
