Unlock the Power of Spending with YES Ace Credit Card

In today’s fast-paced world, a credit card does more than just settle bills—it can enhance every rupee you spend. With so many options out there, the YES Ace Credit Card stands out with a rewarding plan, reasonable fees, and features designed for smart shoppers. Whether you’re hitting the mall, discovering a new street-food spot, or booking a spontaneous flight, this card transforms routine expenses into rewards. In the following post, we’ll break down the YES Ace Credit Card from top to bottom—features, benefits, rewards, and how it compares to competitors. By the end, you’ll know if it’s the right fit for your wallet.

What is the YES Ace Credit Card?

The YES Ace Credit Card is a versatile offering from YES Bank. It’s known for rich rewards, affordable fees, and flexibility in usage, making it a perfect choice for everyday spenders. Whether it’s a grocery run, an online shopping spree, or a quick coffee run, this card rewards you for all types of expenses.

For shoppers who value rewards on routine spending, YES Ace Credit Card provides a great way to earn points on both online and offline purchases. With a low joining fee and a robust reward system, it ensures you get more value from your everyday transactions.

Key Features of YES Ace Credit Card

Before diving into the rewards and benefits, let’s look at the standout features of the YES Ace Credit Card:

1. Low Annual Fee

The YES Ace Credit Card comes with a minimal joining fee of ₹499 + GST, which makes it an accessible option for many. Compared to other premium credit cards with high annual charges, the YES Ace offers an affordable entry into the world of rewards-driven credit cards. Additionally, the annual fee is waived if you spend ₹1,00,000 in a year, making it an even better deal for regular spenders.

2. Fuel Surcharge Waiver

For frequent drivers, this card offers a 1% fuel surcharge waiver at all petrol pumps across India. Over time, this small discount can add up, making it a great companion for anyone who drives regularly.

3. Reward Points Structure

The YES Ace Credit Card offers a compelling reward structure, helping you accumulate points quickly on almost every purchase. Here's the breakdown:

• 8 points for every ₹200 spent online (e-commerce sites like Amazon, Flipkart, Zomato, etc.)
  
  
• 4 points for every ₹200 spent in-store (groceries, dining, movies, etc.)
  
  
• 2 points for every ₹200 spent on utility bills, insurance premiums, or government fees
  
  

This flexible points system ensures that almost every expense contributes to building your reward balance.

4. Reward Redemption

Points earned on the YES Ace Credit Card can be redeemed in several ways:

• Cashback: Instant credit towards your monthly bill
  
  
• Gifts and Vouchers: Choose from a wide range of e-vouchers and gift cards from popular brands
  
  
• Products and Services: Shop for gadgets, accessories, clothing, and more via the YES Rewardz platform
  
  

With a simple and quick redemption process, you can enjoy your rewards whenever you need them.

YES Ace Credit Card Rewards Program

The rewards program is one of the key features that make the YES Ace Credit Card a favorite among cardholders. Here's a deeper dive into how it works:

How to Earn Points

The card rewards you on nearly every eligible purchase, making it easy to accumulate points quickly. Here's how:

• 8 points per ₹200: Earn rewards on online shopping, from Amazon to Zomato.
  
  
• 4 points per ₹200: Earn points for every in-store purchase, including groceries and dining.
  
  
• 2 points per ₹200: Use your card for paying utility bills, insurance, or government fees and earn rewards.
  
  

This means you can rack up points on a variety of everyday spending, from shopping for groceries to paying your monthly bills.

How to Redeem Points

Once you’ve earned points, redeeming them is straightforward:

• Cashback: Convert points into cash that gets credited directly to your bill.
  
  
• Gift Vouchers: Use points to redeem vouchers for your favorite brands.
  
  
• Products and Services: Shop for electronics, gadgets, or accessories on the YES Rewardz platform.
  
  

The ability to redeem points for cash, products, or vouchers gives you flexibility and ease, allowing you to enjoy your rewards whenever you need them.

YES Ace Credit Card Benefits

Apart from rewards, the YES Ace Credit Card offers several additional benefits that enhance the cardholder experience.

1. Fuel Surcharge Waiver

As mentioned earlier, enjoy a 1% fuel surcharge waiver at any petrol pump in India. This helps reduce the cost of fueling your vehicle, especially if you drive frequently.

2. Maximum Waiver on Finance Charges

The card waives the first ₹100 in finance charges on every statement cycle, which is a valuable benefit for those who occasionally carry a balance.

3. Lounge Access

Cardholders enjoy four free visits to domestic lounges per year. Additionally, Priority Pass Membership grants access to over 1,000 international lounges, making it a great option for frequent flyers.

4. Dining Offers

Although there are no fixed restaurant partnerships, the YES Ace Credit Card helps you earn points on every meal paid for, whether you dine in or order via delivery apps.

5. Movie Benefits

For movie lovers, you can earn 8 reward points for every ₹200 spent on online movie ticket purchases, turning each movie night into additional savings.

6. Utility and Insurance Benefits

Pay your utility bills, insurance premiums, and government fees using the YES Ace Credit Card, and you’ll earn 2 points for every ₹200 spent. This makes it a great card for those who have regular monthly payments.

7. Flexibility and EMI Options

For purchases above ₹2,500, you can convert the payment into easy monthly installments through the Flexipay feature, offering more control over your budget.

8. Global Acceptance and Low Forex Markup

The YES Ace Credit Card is powered by the Visa network, so you can use it almost anywhere globally. Additionally, the forex fee is a competitive 2.75%, lower than many other cards.

Pros of YES Ace Credit Card

• Low Joining Fee: ₹499 + GST is a modest cost for a rewards-driven credit card.
  
  
• Generous Rewards Program: Earn 8 points per ₹200 spent online, and 4 points per ₹200 spent in stores.
  
  
• Fuel Surcharge Waiver: 1% surcharge waiver on fuel at all pumps across India.
  
  
• Lounge Access: Enjoy 4 free visits to domestic lounges per year and Priority Pass membership for international lounges.
  
  
• Flexibility: Convert purchases into easy EMIs and use the card globally with a low forex markup.
  
  

Cons of YES Ace Credit Card

• No Exclusive Dining Perks: The card lacks special dining discounts or Buy 1 Get 1 movie ticket offers that other cards may provide.
  
  
• Limited Lounge Access: While lounge access is available, it’s capped at 4 visits per year, which might be limiting for frequent travelers.
  
  

Conclusion: Is the YES Ace Credit Card Right for You?

The YES Ace Credit Card is ideal for anyone looking to earn rewards on their everyday spending. With a low joining fee, waiver of fuel surcharges, and a strong rewards engine, it’s a great choice for those who shop online, dine out, or travel occasionally. The ability to redeem points flexibly and convert larger purchases into EMIs adds extra value.

If you enjoy shopping, dining, and even fueling up without extra costs, this card is a solid companion for turning your regular expenses into valuable rewards.