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YES ACE Credit Card

Yes Bank

YES ACE Credit Card

mastercardclassiccreditshoppingonline

Annual Fee

₹589₹499 + GST

Base Reward

4% points

Foreign Markup

2.75% of the transaction amount

Apply Now
4.2/5
VerifiedLast updated 26 May 2026

Product Highlights

  • 8 Reward Points on each spend of ₹200 for online shopping
  • 4 Reward Points on each spend of ₹200 for offline shopping
  • 2 Reward Points for each spend of ₹200 on select categories

Category Rewards

shopping

Online Shopping 8X

8X

shopping

Offline Shopping 4X

4X

Fee Waiver

Waiver of joining and renewal fee on the basis of the amount spent using the credit card.

Reward Calculator

Earns ₹83/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

3.4K

YES Rewardz

Best worth

₹672

via standard · ₹0.2/pt

Effective rate

0.35%

Annual fee

₹589

Year 1 net

+₹83

Year 2+ net

+₹83

ongoing

Adjust your spend by reward bucket

3 buckets
0.80%Online Shopping 8X
₹3,000/mo
Earns 120 yes rewardz / mo≈ ₹24 worth/mo
0.40%Offline Shopping 4X
₹3,000/mo
Earns 60 yes rewardz / mo≈ ₹12 worth/mo
0.20%All other spends
₹10,000/mo
Earns 100 yes rewardz / mo≈ ₹20 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

rent, wallet, fuel, upi, government, marketing advertising, cash advance, emi pos conversion

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

8 Reward Points on online spending of ₹200, 4 Reward Points on offline spending, and 2 Reward Points on select categories like rent, insurance, etc.

Reward Points — Redemption Value
  • The reward points can be redeemed against a variety of products and vouchers available on the website.

Benefits & Features

1% fuel surcharge is waived off across all fuel stations in India.

Pros & Cons

Pros

  • Low joining fee of ₹499
  • Waiver of joining and renewal fees on reaching milestone benefits

Cons

  • No international or domestic lounge access is provided with this card
  • You won’t get any movie benefits along with this card

Additional Info

Capped at 5,000 Reward Points each statement cycle.

Excluded Categories

fuelcash withdrawals

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverWaiver of joining and renewal fee on the basis of the amount spent using the credit card.
Foreign Markup2.75% of the transaction amount
Interest Rate3.8% per month
Cash Advance2.5% or ₹300 (whichever is higher)
Redemption Fee₹100 on every redemption request.

Eligibility

Min Age

21 yrs

Salaried

₹0.3L+

Self-Emp

₹7.5L+

Networks

visamastercardrupay