YES Bank ACE Credit Card (previously YES Prosperity Rewards Plus Credit Card) rewards you every time you swipe your card. The credit card lets you enjoy great discounts on dining and retails spends.
The following are the major features of YES Bank ACE Credit Card
These are the advantages of YES Bank ACE Credit Card
The fees and charges associated with YES Bank ACE Credit Card are as follows:
Type of Fee/Charge | Amount |
First-Year Membership Fee | Rs.499, reversed on spends of Rs.5,000 within 1 month of card setup |
Renewal Membership Fee | Rs.499, reversed on spends of Rs.50,000 within 12 months prior to renewal |
Interest on Overdue Amount | 3.99% per month (47.88% annually) |
Interest Against Fixed Deposit | 2.49% per month |
Rental Transactions Fee | 1% of transaction value or Rs.1 (up to Rs.1,000), 1% or Rs.199 (above Rs.1,000) |
Wallet Transactions Fee | Minimum 1% of transaction value or Rs.1 |
Utility Transactions Fee | 1% + GST on spends above Rs.15,000/month, capped at Rs.3,000 |
Education Fee Transactions Fee | 1% + GST, capped at Rs.5,000/month (from 1st Oct ’24) |
Fuel Transaction Fee | 1% + GST on transactions > Rs.10,000, capped at Rs.5,000/customer/month |
To be eligible to get a YES Bank ACE Credit Card, you need to fulfill the following eligibility criteria:
Address proof |
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Identity Proof |
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Other documents |
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Yes Bank Customer Care/ Complaints
You can apply for YES Bank ACE Credit Card online by following the instructions given below:
Follow the steps given below to apply for YES Bank ACE Credit Card offline:
Yes. This is a contactless credit card.
To generate an IVR transaction password, send an SMS with the text: YESIVR <last 4 digits of your YES Bank Credit Card number> to 9212738927 from your registered mobile number.
If you suspect fraud, block your card immediately via the YES Bank app or customer support. Review your transaction history for any unfamiliar charges and report any suspicious activity to customer service right away. Always keep your card details secure and avoid responding to unsolicited messages or calls.
To protect your card, use contactless payments, keep your PIN, password, and OTP confidential, and avoid sharing them. Regularly check your transactions and block your card immediately via the YES Bank app if you notice any suspicious activity.
You can redeem all your reward points on the YES Rewardz official portal. There are a variety of options available to you; vouchers, air miles and lifestyle items. The choice is yours, redeem your points and enjoy rewards from your purchases.
The interest rate on the ACE Credit Card on overdue or revolving credit is 3.99% per month (47.88% annually). This will give you the option to carry a balance while still providing you with the flexible repayment options you may desire.
All secure online transactions will use a 3D Secure password or one-time password (OTP) sent to your registered mobile number. This will provide added security and peace of mind that your online purchases are protected from fraud.
You should report the loss of your card immediately to YES Bank’s 24x7 customer care. The card will be blocked to prevent misuse, and they will send you a replacement card to your registered address. This way you will not experience any interruption in the use of your ACE Credit Card and to provide additional security of your funds.
Yes, you may apply for a maximum of 3 add-on cards for family members including your spouse, parents, siblings and children over the age of 18. Add-on cards will share the primary card credit limit, and family members can earn reward points independently.
Cash can be withdrawn up to 30 percent of your credit limit from YES Bank ATMs or member of YES Bank ATMs. Cash advances will be charged to your account as per the terms and conditions of your card. Please check the Schedule of Charges to determine if it's possible to access cash and what the cost will be.
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