YES Bank ACE Secured Credit Card
YES Bank • Visa
FD-backed credit builder card issued against Fixed Deposit of ₹15,000+ with 0 CIBIL requirement and ₹50k fee waiver.
Underwriting & Income Cutoffs
Salary slip, ITR ya CIBIL credit score ki koi zaroorat nahi hai. Bank me minimum Fixed Deposit (FD) lock karne par 90% se 100% credit limit ke sath bina kisi income verification ke card 100% approve ho jata hai.
Fixed Deposit Pledged Under Bank Lien
Underlying Fixed Deposit cannot be liquidated or prematurely closed while the credit card remains open.
Aapki FD bank ke paas tab tak bandhi rahegi jab tak aap yeh credit card band nahi kar dete.
Source: YES Bank Secured Lending Regulations 2026
Credit Limit Strictly 80%–85% of FD Principal
Assigned credit limit is capped at 80% to 85% of the principal FD deposit amount.
Agar ₹20,000 ki FD banayi toh card ki limit lagbhag ₹16,000 se ₹17,000 tak hi milegi.
Source: YES Bank Secured Card Terms 2026
Calculate Your Real Annual Profit on YES Bank ACE Secured Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is YES Bank ACE Secured Credit Card Worth It in 2026? Honest Review, Pros & Cons
Credit card companies aksar gross reward points dikhakar attract karti hain, par YES Bank ACE Secured Credit Card ka real annual return nikaalne ke liye card fees, category limits aur 18% fuel GST jaise non-refundable charges ko minus karna padta hai. Is card ki fees maaf karwane ka ₹50,000 target is category ke doosre cards (average ₹99,377) se 50% zyada aasaan hai. Neeche humne verified bank data ke mutabiq aapke har spending profile ka exact profit & loss calculate kiya hai.
Smart credit card users hamesha net savings calculate karte hain. Agar aap saalana spend milestone achieve kar lete hain toh fees 100% reverse ho jati hai, jisse is card ka annual carrying cost zero ban jata hai.
Quantitative finance experts hamesha gross points ke bajaye net monetary profit dekhne ki advice dete hain. YES Bank ACE Secured Credit Card lene se pehle dekhein ki iske category rivals jaise SBI Unnati Credit Card (SECURED FD CARD) aur AU NOMO Credit Card (SECURED FD CARD) aapke spending patterns ke sath match karte hain ya nahi. Aap dono cards ka bilateral analysis hamare Card Comparison Engine par inspect kar sakte hain.
- 011.5% Top Reward Rate: Competitive 1.5% headline earn rate designed for consistent monthly category savings.
- 02Carrying Cost Structure: Full renewal fee reversal upon completing annual eligible card spending benchmarks.
- 03Category Flagship Perk: Zero-rejection collateral issuance model designed specifically for credit profile creation.
- 01Zero Excluded Rewards: Third-party rent portals (CRED/NoBroker) aur digital wallet refills par 0% points schedule enforce hota hai.
- 02Cross-Border / ATM Surcharge: Cross-border international transactions par standard 3.50% markup + 18% non-refundable GST deduct hota hai.
- 03Redemption / Carrying Leak: Spend milestone na reach hone par saalana ₹471 carrying cost deduct hoti hai.
YES Bank ACE Secured Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Humne teen real-world spending profiles (Conservative Spender, Active Everyday User, aur Power Spender) par exact calculation ki hai taaki aap dekh sakein ki aapke monthly kharche par kitni bachat banegi: Yahan diye gaye simulation matrix me teen practical user segments ke hisaab se annual fee recovery threshold aur net savings calculate ki gayi hain. Aap apne exact monthly shopping budget ke mutabiq net profit check karne ke liye hamara Milestone & Fee Waiver Calculator test kar sakte hain.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹1,350 | 100% Waived (₹0) | +₹1,350 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹4,050 | 100% Waived (₹0) | +₹4,050 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹10,125 | 100% Waived (₹0) | +₹10,125 |
• Partner Merchant Spends (1.5% Accelerator): Agar aapka kharcha sirf top partner checkout par hota hai, toh card ki annual renewal fee ₹471 (incl. 18% GST) recover karne ke liye aapko saal me kam se kam ₹31,400 (yaani sirf ₹2,617 / mahina) spend karna zaroori hai.
• Regular Offline Spends (0.75% Floor Rate): General offline retail stores, grocery ya non-partner swipes par fee recover karne ke liye aapko saal me lagbhag ₹62,800 (lagbhag ₹5,233 / mahina) spend karna padega.
Annual Fee Waiver Milestone Feasibility: ₹50,000 Spend Target
Is card ki fees maaf karwane ka ₹50,000 target is category ke doosre cards (average ₹99,377) se 50% zyada aasaan hai. Bank MITC schedule ke mutabiq annual renewal fee waiver pane ke liye saal me eligible retail spend complete karna hota hai. Dhyan rahe ki rent payments, wallet reload aur fuel transactions waiver spend quota me count nahi hote. Fee waiver targets aur billing cycles ko track karne ke liye hamara Billing Cycle & Grace Period Tool use karein.
YES Bank ACE Secured Credit Card Benefits & Reward Points Value: 1 Reward Points = ₹ Rupee Conversion
FD-backed credit builder card issued against Fixed Deposit of ₹15,000+ with 0 CIBIL requirement and ₹50k fee waiver.
Retail Spends
2 Reward Points per ₹200 spent
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (0.75%) credit hota hai.
Settlement Currency: Reward Points
Earn kiye gaye points direct monthly statement balance me credit hote hain aur inki koi expiry nahi hoti.
YES Bank ACE Secured Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
Fixed Deposit Pledged Under Bank Lien
Underlying Fixed Deposit cannot be liquidated or prematurely closed while the credit card remains open.
Aapki FD bank ke paas tab tak bandhi rahegi jab tak aap yeh credit card band nahi kar dete.
Credit Limit Strictly 80%–85% of FD Principal
Assigned credit limit is capped at 80% to 85% of the principal FD deposit amount.
Agar ₹20,000 ki FD banayi toh card ki limit lagbhag ₹16,000 se ₹17,000 tak hi milegi.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹399 + 18% GST | Reversed via welcome benefits / first 30-day spend |
| Annual Renewal Fee | ₹399 + 18% GST (Total: ₹470.82) | Waived on ₹50,000/yr eligible spend |
| Finance Charges (APR) | 2.49% / month (29.88% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
House rent checkouts par 1% bank processing fee + 18% GST deduct hota hai jabki reward points zero milte hain. Wallet top-ups aur government payment channels par bhi zero cashback earn hota hai.
local_gas_stationFuel Surcharge 18% GST Reality
Fuel stations par 1% surcharge reverse karne ke baad bhi bank GST component return nahi karta. Monthly ceiling ₹150 se ₹250 hone ke karan high monthly fuel spenders ko extra transaction tax pay karna padta hai.
currency_exchange3.5% International Forex Markup
Overseas currency billing par bank 3.5% processing markup + 18% non-negotiable GST charge karta hai. High-volume international travel par ye extra charge card ke standard base cashback ko cancel out kar deta hai.
redeemReward Liquidity & Expiry
Earn kiye gaye points direct monthly statement balance me credit hote hain aur inki koi expiry nahi hoti.
YES Bank ACE Secured Credit Card Fixed Deposit Collateral, Zero CIBIL Approval & Lien Rules
Deposit-Linked Credit Line: Aapka fixed deposit collateral bank me securely park rehta hai aur uske base par 90% credit limit assign hoti hai, jisse zero rejection risk ke sath card mil jata hai.
Interest Accrual & Bureau Rebuilding: Fixed deposit par standard annual FD interest continuously generate hota hai. Timely repayments se CIBIL profile rapidly repair hoti hai.
YES Bank ACE Secured Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹0 (Zero Salary Slip Needed)
Zero salary slip required.
₹0 (Zero ITR Needed)
Zero ITR verification needed.
No CIBIL Check (100% FD Guaranteed)
Ideal for 0 credit history.
21 to 60 Years
Indian resident citizen.
Collateral-backed approval model: YES Bank ACE Secured Credit Card lene ke liye kisi formal salary slip, ITR ya purane credit history ki zaroorat nahi hoti. Bank me minimum Fixed Deposit (FD) kholne par 90% se 100% credit limit ke sath guaranteed issuance milti hai. Yeh card Fixed Deposit (FD) ke against 100% assured approval ke sath issue hota hai, isliye isme kisi salary slip, ITR ya CIBIL bureau verification ki zaroorat nahi hoti. Bank me minimum FD balance lock karne par bina income proof ke card instantly approve ho jata hai.
- ✓Users jo 100% approval chahte hain bina kisi bank physical branch visit ya lengthy documentation ke.
- ✓Consumers jo apni emergency savings ko Fixed Deposit me park karke uske against zero-risk credit limit enjoy karna chahte hain.
- ✓Frequent overseas shoppers jo overseas travel par zero currency fee advantage leverage karna chahte hain.
- ✗Users jinke paas pehle se 780+ CIBIL score hai aur jo bina FD ke high-limit unsecured cards le sakte hain.
- ✗Jo zero-deposit approval chahte hain aur salary slip verification provide karne me comfortable hain.
- ✗Frequent travelers jo complimentary international lounge visits aur concierge service chahte hain.
YES Bank ACE Secured Credit Card vs Top Competitors: Side-by-Side Comparison
Market me available alternative options ke mukable card ki true value samajhne ke liye neeche diya gaya direct ledger dekhein, jahan SBI Unnati Credit Card aur AU NOMO Credit Card ke sath bilateral audit kiya gaya hai:
| Comparison Metric | YES Bank ACE Secured Credit Card (Current) | SBI Unnati Credit Card | AU NOMO Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹399 (Waived at ₹50,000) | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Top Reward Rate | 1.5% | 1% | 1% |
| Category Tier | SECURED FD CARD | SECURED FD CARD | SECURED FD CARD |
| Direct Action | Current Review | View Review → | View Review → |
Should you apply for YES Bank ACE Secured Credit Card or choose a higher-yield alternative?
Find out in under 1 minute which credit card will save you the most money based on your real monthly grocery, fuel & shopping spends. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (YES Bank ACE Secured Credit Card FAQs)
What is the annual fee of YES Bank ACE Secured Credit Card and how can it be waived?expand_more
What are the underwriting income cutoffs and credit score requirements for YES Bank ACE Secured Credit Card?expand_more
What are the hidden charges, forex markup, and cash advance fees?expand_more
Head-to-Head Comparison: Why choose YES Bank ACE Secured Credit Card over SBI Unnati Credit Card?expand_more
Are rent payments, fuel, and wallet reloads eligible for rewards on YES Bank ACE Secured Credit Card?expand_more
Can YES Bank ACE Secured Credit Card be linked to UPI apps (Google Pay, PhonePe, Paytm) for QR scanning?expand_more
• Regulatory Sourcing: Verified against active YES Bank cardholder agreement disclosures • Banking Guidelines: Underwritten under RBI Credit Card Framework 2024 • Mathematical Modeling: Conducted independently by EQUIS Intelligence.