YES Bank ACE Credit Card
Yes Bank · Open to apply
YES Bank's lowest-fee rewards card at ₹499: 8 YES Rewardz per ₹200 online and 4 offline, a fuel surcharge waiver and buy-one-get-one on coffee at malls.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 4 YES Rewardz per ₹200 on offline shopping: 4 YES Rewardz per ₹200 (about 0.2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 8 YES Rewardz per ₹200 on online shopping: 8 YES Rewardz per ₹200 (about 0.4% at cash value)
Earns nothing on
- No YES Rewardz on insurance and education
- No YES Rewardz on railways and ferry
- No YES Rewardz on tolls and jewellery
- No YES Rewardz on rent, wallet loads, fuel, government services, cash withdrawals and EMI
- No YES Rewardz on UPI transactions
Terms the calculator does not value
- YES Rewardz are valued at ₹0.25 only on flights and hotels (up to 70% of the invoice value) per YES Bank's redemption rules; statement credit and e-gift vouchers are worth ₹0.10 (₹0.10 for vouchers on this card), capped at 50% of available points. The calculator's cash-like mode uses the lower options.
- Paid feature, Rewards Subscription Plan (one year): Plan 1 at ₹1,000 gives 2 times the regular points online and 3 times offline and on Select categories; Plan 2 at ₹2,000 gives 3 times online and 5 times offline on travel, dining, fashion and healthcare. Not an always-on rate, so not in the earn rules.
Sources
- YES BANK Credit Card MITC, version CMITC_V18_05102026 (5 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK Key Fact Statement - Credit Cards, V_20_28092026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- YES BANK, ACE Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, ACE Credit Card value chart (Nov 2023) (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Domestic Lounge Program Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- YES BANK, Apply for Credit Card Online listing (Product page, the bank's own, read 6 Nov 2026)
- YES BANK, Rewards Subscription Plan (Product page, the bank's own, read 6 Nov 2026)
- YES BANK Credit Card Redemption Rules (Private, Marquee, Reserv and other cards) (Reward terms, the bank's own, read 6 Nov 2026)