YES Bank ACE Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
8 YES Rewardz points per ₹200 online (about 1%), 4 per ₹200 offline (0.5%), 2 per ₹200 on select categories
Welcome Bonus
First-year fee reversed on ₹5,000 spend within a month of card set-up
Lounge
No Lounge Access
Our Expert Take
YES Bank ACE is a ₹499 entry-level card that earns 8 reward points per ₹200 online and 4 offline, about 1% and 0.5% back. The fee is easy to reverse, but there's no lounge access and rewards are modest.
Reward limits
Checked 3 Oct 2026 · Bank terms
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8 points per ₹200 online, 4 offline, 2 on select categories
No published limit
No rewards on: Rent, wallet loads, fuel, UPI, government, marketing/advertising, insurance, education, railways, tolls, ferry, jewellery, cash, EMI
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 8 reward points per ₹200 on online shopping
- Low ₹499 fee, reversed on ₹5,000 spend in the first month and ₹50,000 a year after
- Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
- Buy one get one on coffee at major mall outlets
Limitations
- Low reward value: about 1% online and 0.5% offline
- No points on UPI, fuel, rent or wallet loads; select categories earn only 2 per ₹200
- No airport lounge access
- High 3.99% monthly interest and 3.5% forex markup
Key Perks & Spending Milestones
8 YES Rewardz points per ₹200 on online spends
4 YES Rewardz points per ₹200 on offline spends
2 YES Rewardz points per ₹200 on select categories
1% fuel surcharge waiver at fuel stations in India
Buy one get one on coffee at major mall outlets
Purchase protection up to ₹50,000 on mobiles and electronics bought online
Spend milestone
Renewal fee reversed on ₹50,000 spend in the 12 months before renewal
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
First-year fee reversed on ₹5,000 spend within a month; renewal fee reversed on ₹50,000 annual spend
Interest rate
3.99% per month (47.88% per annum)
Late payment fee
Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹25,000 per month
age
21 to 65 years
Credit score & income
Good (700+), Salaried ₹25,000/month or Self-Employed with ITR
Frequently Asked Questions
What's the reward rate on YES Bank ACE Credit Card?
Does YES Bank ACE offer lounge access?
How do I get the ACE fee waived?
Compare YES Bank ACE Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| YES Bank ACE Credit Card This Card | ₹499 + Taxes | 8 YES Rewardz points per ₹200 online (about 1%), 4 per ₹200... | No Lounge Access | 4.0/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |