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YES Bank · Visa / Mastercard · हिन्दी

YES Bank ACE Credit Card: full review

The YES Bank ACE Credit Card is a straightforward, low-fee entry card that rewards online shopping meaningfully more than offline or select-category spend. The fee is easy to waive and the eligibility bar is accessible, but like other YES Bank cards the real redemption value is modest once converted from headline point counts, and it is closed to existing YES Bank cardholders.

Apply now ↗Annual fee: ₹499 + GST joining
Last updated: September 2026 · Current terms verified
YES BANK
VISA
)))
ACE
ASHOK KUMAR
12/28
₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months)Annual fee
8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25Reward structure
NoneLounge access

Key benefits of the YES Bank ACE Credit Card

8 YES Rewardz per ₹200 on online shopping (except select categories)4 YES Rewardz per ₹200 on offline shopping (except select categories)2 YES Rewardz per ₹200 on select categories1% fuel surcharge waiver on transactions between ₹500 and ₹3,000Joining fee reversed on ₹5,000 spend in the first monthRenewal fee reversed on ₹50,000 spend in the preceding 12 monthsVirtual RuPay variant available, but only to existing Mastercard/Visa cardholders
Apply now ↗ Min. income: ₹25,000/month net salary or ITR of ₹7.5L+ (salaried or self-employed); not eligible if you already hold a YES Bank credit card · Credit score: 700+ (general YES Bank baseline, not confirmed specific to this card)
Pros and cons
Pros
✓ Low ₹499 fee with an easily achievable waiver threshold
✓ Meaningful 4X differential between online and offline/select spend
✓ Straightforward, easy-to-understand tiered structure
✓ Accessible ₹25,000/month income requirement
Cons
✗ No rewards on rent, fuel, UPI, government payments, wallet loads or EMI conversions
✗ Not available if you already hold any other YES Bank credit card
✗ Real redemption value is ₹0.25/point, well below the headline point count
✗ No lounge access at all
✗ "Select categories" earning the lowest rate are not clearly defined publicly
Quick facts
Issuer YES Bank
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month net salary or ITR of ₹7.5L+ (salaried or self-employed); not eligible if you already hold a YES Bank credit card
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ (general YES Bank baseline, not confirmed specific to this card)
SourceYES Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for YES Bank ACE Credit Card is ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months). The joining fee is ₹499.
The main benefits of the YES Bank ACE Credit Card are: 8 YES Rewardz per ₹200 on online shopping (except select categories); 4 YES Rewardz per ₹200 on offline shopping (except select categories); 2 YES Rewardz per ₹200 on select categories; 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000; Joining fee reversed on ₹5,000 spend in the first month; Renewal fee reversed on ₹50,000 spend in the preceding 12 months; Virtual RuPay variant available, but only to existing Mastercard/Visa cardholders.
8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25
YES Bank ACE Credit Card is best for Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure. The YES Bank ACE Credit Card is a straightforward, low-fee entry card that rewards online shopping meaningfully more than offline or select-category spend. The fee is easy to waive and the eligibility bar is accessible, but like other YES Bank cards the real redemption value is modest once converted from headline point counts, and it is closed to existing YES Bank cardholders.
The minimum income requirement for YES Bank ACE Credit Card is ₹25,000/month net salary or ITR of ₹7.5L+ (salaried or self-employed); not eligible if you already hold a YES Bank credit card. A minimum credit score of 700+ (general YES Bank baseline, not confirmed specific to this card) is also recommended.
YES Bank ACE Credit Card does not offer airport lounge access.
YES Bank ACE Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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