Yes Bank ACE Credit Card: Fees, Rewards & Benefits
Rewards card
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The Yes Bank ACE is an affordable shopping card with 4x online earning (capped 5,000 points/month) and useful insurance and dining perks. At 0.25 INR per point, returns near ~1% online, and the lack of lounge access plus a wide exclusion list limit broader appeal.
Rewards card
The Bottom Line
The Yes Bank ACE is built for online shopper and first-time cardholder. With a ₹499 annual fee that is waived on ₹50,000 yearly spend, it offers 1% rewards on online shopping and a welcome benefit worth ₹500. It makes the most sense if your spending matches online shopper and first-time cardholder.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Online Shopper, First-Time Cardholder. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with regular online spends who can use the 8-points-per-INR-200 online rate up to the 5,000-point monthly cap and waive the INR 499 fee at INR 50,000 spend.
Those with modest income (INR 3 lakh minimum) wanting an affordable card with insurance and dining perks.
Probably not for
SkipNo lounge access makes it weak for those who fly.
Fuel, rent, utilities, UPI and EMIs earn nothing, so spends in these areas are wasted.
Is It Worth It For You?
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Reward Rates
Yes Bank ACE offers 0.25% basic reward rate.
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Welcome Offer
Rs. 500 Amazon voucher on spends of Rs. 1,000 within the first 30 days of card setup (online applications only). Separately, the joining fee of Rs. 499 + GST is reversed on spends of Rs. 5,000 within 30 days of card setup.
Milestone Benefits
Annual/renewal fee waiver on retail spends of Rs. 50,000 in the 12 months prior to renewal.
Fees & Charges
Eligibility
- Min Income: ₹7.5 Lakhs
- Min Credit Score: 700
- Salaried/self-employed age 21-60; min net monthly salary Rs 25,000 or ITR Rs 7.5 lakh; joining fee Rs 499 reversed on Rs 5,000 spend in 30 days.
Exclusions & Terms
Forex markup
- Foreign currency markup
UPI Transactions
- Does not earn reward points.
Cash Withdrawals
- Does not earn reward points.
EMI Transactions
- Transactions converted into EMIs do not earn reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the Yes Bank website.
Apply on Yes Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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