Visa 📡 Contactless NFC

YES Bank ACE Credit Card

Joining Fee₹499

Annual Fee₹499

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Online shoppers wanting 8x reward points on internet purchases, offline retail points, domestic airport lounge access, and a ₹1 Lakh spend fee waiver.

Who Should Avoid

Users seeking international lounge access or direct cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus YES Rewardz Points upon payment of joining fee and realization

8 Reward Points per ₹200 on Online Shopping

Earn up to 8 YES Rewardz Points per ₹200 (2.0% return) on online shopping transactions (capped at 5,000 points/month).

4 Reward Points per ₹200 on Offline Shopping

Earn 4 YES Rewardz Points per ₹200 (1.0% return) on offline retail shopping purchases.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter).

💰 Reward Structure & Point Valuation

1 YES Rewardz Points = ₹0.25

Standard Base Earning

4 YES Rewardz Points per ₹200 spent on offline shopping and general retail (1.0% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

8 YES Rewardz Points per ₹200 (2.0% return; 1 RP = ₹0.25) on Online Shopping (capped at 5,000 points/month)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: YES Rewardz Catalog (Brand Vouchers, Flight & Hotel Bookings), Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹499 + GST is waived off on spending ₹1,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the YES Bank ACE Credit Card

Annual Fee: ₹499/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, YES Bank ACE Credit Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).