YES Bank ACE Credit Card
Updated 3 Jul 2026Source-linked
The YES Bank ACE Credit Card is a entry credit card from YES Bank, with a joining fee of ₹499 + GST.
It earns up to 8 pts per ₹200 (≈0.8% value) on online shopping spends in the form of yes rewardz points (points).
YES Bank ACE Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForEveryday spends
- Reward TypeYES Rewardz Points (points)
Rewards Rate
- 8 pts per ₹200 on online shopping
- 4 pts per ₹200 on offline shopping
- Base 0.20% on other spends
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
YESplatinumentryRewards and Benefits
Rewards Rate
8 pts per ₹200 on online shopping
4 pts per ₹200 on offline shopping
Base 0.20% on other spends.
Reward Redemption
YES Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹120/mo
You spend ₹15,000 · earns 0.8% = ₹120 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 0.2% = ₹16/mo
- Dining & food delivery₹8,000 · 0.2% = ₹16/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹20/mo
- Utilities & bills₹5,000 · 0.2% = ₹10/mo
Est.net rewards for this spend, realistic
₹1,685/yr₹2,184 rewards − ₹499 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by YES Bank.
- Joining / annual fee of ₹499 + GST.
- Available on the Visa network.
Pros & Cons
Pros
No derived pros.
Cons
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 8 pts per ₹200 on online shopping8 YES Rewardz per ₹200 on online shopping.
- 4 pts per ₹200 on offline shopping4 YES Rewardz per ₹200 on offline shopping; 2 per ₹200 on other spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.yes.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.