YES Bank ACE

Benefits

Purchase protection: accidental-damage insurance cover for 6 months on mobile and electronic devices purchased online; YES Rewardz benefits; 1% fuel-surcharge waiver subject to current transaction limits; Green Fee waiver on golf rounds at select golf courses under the Golf Program, terms apply.

Features

Accelerated YES Rewardz Points: 8 points per ₹200 on eligible online shopping, 4 points per ₹200 on eligible offline shopping and 2 points per ₹200 on select categories. Online accelerated points are capped at 5,000 points per statement cycle. Points are not awarded on fuel, cash withdrawals and transactions converted to EMI. RuPay variant supports UPI merchant payments.

Cashback

3% cashback on Kredit.Pe UPI for the YES BANK ACE credit card, as currently advertised by Kredit.Pe. This is a Kredit.Pe-specific offer and is subject to its current terms; it is not stated as a universal YES BANK cashback rate.

Rewards

YES Rewardz Points: 8/₹200 eligible online shopping; 4/₹200 eligible offline shopping; 2/₹200 select categories. YES BANK's value chart says the online accelerated component is capped at 5,000 points per statement cycle and excludes fuel, cash withdrawals and EMI-converted transactions.

Renewal Fee

₹499 renewal fee, subject to applicable waiver conditions.

Fee Waiver

Spend ₹5,000 within 30 days of card issuance for first-year fee waiver. Spend ₹50,000 in the card anniversary year for subsequent-year renewal-fee waiver, according to the current YES BANK Key Fact Statement.

Welcome Benefit

₹1,000 cashback joining bonus is currently advertised by Kredit.Pe for the YES BANK ACE credit card, subject to Kredit.Pe's current terms.

Lounge Travel

Green Fee waiver on golf rounds at select golf courses in India under the Golf Program; terms apply. No current lounge-access benefit was established from the official sources reviewed.

Fuel Benefit

1% fuel-surcharge waiver on fuel transactions between ₹400 and ₹5,000; maximum ACE surcharge-waiver benefit ₹100 per statement cycle. GST on fuel surcharge is not reversed.

Important Policy

Verified card benefits are based on current YES BANK first-party documents and the current Kredit.Pe ACE-specific page. Screenshot-only Zomato, Zepto, Goibibo and Paytm offers are not published as verified because current first-party pages did not establish those exact offers.

Offers

Kredit.Pe currently advertises 3% cashback on Kredit.Pe UPI and a ₹1,000 joining cashback for YES BANK ACE. Current Kredit.Pe pages also show separate app-level offers such as 5% on gold, 7% off on gold and voucher savings; these are not treated as ACE-card benefits unless the offer explicitly says so.