YES ACE Credit Card
77/100
·
₹499/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
YES Bank
YES ACE Credit Card
Mastercard / RuPay
Rewards
MASTERCARD / RUPAY
YES ACE Credit Card
by YES Bank · Data verified 2 days ago
Entry-level rewards card with zero joining fee
77
Score
Based on rewards, fees, benefits & eligibility
₹499
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
No Lounges
complimentary
₹499/yr
waiver available
77/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹499
Net Annual Value
You save per year!
What's Great
- Joining fee of ₹399 waived on spending ₹10,000 within first 90 days
- Annual fee of ₹399 waived on ₹50,000 annual retail spend
- Accelerated 6 Reward Points per ₹200 on dining transactions
- 5X Reward Points on birthday transactions
- 12,000 bonus Reward Points on achieving ₹3,60,000 annual spend milestone
- Comprehensive insurance covers: ₹50 Lakhs Air Accident and ₹1.3 Lakhs Lost Card Liability
Things to Consider
- No complimentary airport lounge access included (Priority Pass available on paid basis)
- Standard foreign currency markup fee of 3.40%
- Base reward rate is modest on general non-dining retail categories
Perfect For
First-time users
Credit builders
About This Card
Entry-level rewards card with zero joining fee
Annual Fee
₹499
Waiver
Waived on annual spends of ₹50,000 in preceding year (Joining fee waived on spending ₹5,000 in first 30 days)
Joining Fee
₹499
Waiver
Waived on spending ₹5,000 within first 30 days
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.40% - 3.99%
Foreign Transaction Fee
Markup on international txns
3.40%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount or ₹650, whichever is higher + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹20,000
₹900
>₹20,000
₹1,000
Reward Points Validity
How long your earned points remain valid
3 years from date of earning
Rent Payment Fee
Surcharge on rent/property payments via card
1% + GST (min ₹199, no reward points earned)
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
1,250 Reward Points on spending ₹2,500 within 30 days of card setup
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹100 + GST per request
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Dining
- •6 Reward Points per ₹200 on dining spends (1.5X accelerated earning)
- •5X Reward Points on all birthday transactions including dining out
Shopping
- •4 Reward Points per ₹200 spent on all regular retail purchases
- •Reward Points redeemable for air miles, travel bookings, and gift vouchers via YES Rewardz
- •Easy EMI conversion on purchases above ₹2,500
Travel
- •1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver ₹250 per statement cycle)
- •Air Accident Death Cover up to ₹50 Lakhs
- •Emergency Medical Hospitalization cover abroad up to ₹2.5 Lakhs
- •Lost card liability cover up to ₹1.3 Lakhs
Partner Benefits
- •Seasonal promotional partner discounts and merchant privileges via YES Bank
Special Offers & Features
- •Joining fee reversal on ₹10,000 spend within 90 days of issuance
- •Balance Transfer facility at preferential rates starting 0.99% per month
- •Contactless tap-and-pay enabled up to ₹5,000 without PIN
EMI Options
- •Instant EMI at merchant POS/online on transactions above ₹1,500
- •Post-purchase EMI conversion via YES Mobile App or NetBanking for transactions ₹1,500+
- •Flexible EMI tenures: 3, 6, 9, 12, 18, 24, 36 months at 13-15% p.a. + 1-2% processing fee (min ₹199 + GST)
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
77
out of 100
CardSahayak Score
"Apply Now" takes you to YES Bank's official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹41,666/mo
Age
21-60 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Rewards Plus
Scores
Rewards
34/100
Fees
90/100
Benefits
23/100
Access
84/100
3 Active Offers
Deals & Offers
Exclusive offers available on YES ACE Credit Card
EaseMyTrip
Travel seamlessly across India with airfare savings from YES Bank and EaseMyTrip. Enjoy a flat 12% instant discount up to ₹1,800 on bookings of ₹5,000 and above.Use promo code EMTYES on checkout for instant price cuts.
12
Till 31 Dec 2026
EMTYES
travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the EaseMyTrip app or visit easemytrip.com.
Step 2: Choose domestic flight tickets with total fare ₹5,000+.
Step 3: On the payment summary page, apply coupon code EMTYES.
Step 4: Pay with your YES Bank Credit Card to reduce your fare by up to ₹1,800 immediately.
Step 2: Choose domestic flight tickets with total fare ₹5,000+.
Step 3: On the payment summary page, apply coupon code EMTYES.
Step 4: Pay with your YES Bank Credit Card to reduce your fare by up to ₹1,800 immediately.
Terms & Conditions
Valid on domestic flight bookings across India on EaseMyTrip platforms. Minimum booking amount is ₹5,000. Maximum instant discount is capped at ₹1,800. Valid once per card per month.
Use Code:
EMTYES
Visit Offer
Swiggy Instamart: 15% Instant Discount (up to ₹100)
15
Till 31 Dec 2026
YESCCINSTA
Discount
15
Min Spend
499
Valid Until
31 Dec 2026
How to Avail
Apply promo code YESCCINSTA at checkout on Swiggy Instamart with YES Bank credit card.
Use Code:
YESCCINSTA
Reliance Digital
Save big on the latest gadgets and appliances at Reliance Digital with your YES Bank Credit Card. Enjoy flat 7.5% instant discount up to ₹3,500 on transactions of ₹15,000 and above.
7.5
Till 31 Dec 2026
electronics
Discount
Flat 7.5% up to ₹3,500
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit any Reliance Digital retail store or reliancedigital.in.
Step 2: Select eligible smartphones, laptops, audio systems, or home appliances worth ₹15,000+.
Step 3: Select YES Bank Credit Card Instant Discount at checkout.
Step 4: Instant discount of 7.5% up to ₹3,500 is applied automatically.
Step 2: Select eligible smartphones, laptops, audio systems, or home appliances worth ₹15,000+.
Step 3: Select YES Bank Credit Card Instant Discount at checkout.
Step 4: Instant discount of 7.5% up to ₹3,500 is applied automatically.
Terms & Conditions
Valid on select electronic products. Minimum transaction value of ₹15,000 is required. Maximum instant discount is ₹3,500 per card per calendar month. Applicable on full-swipe and EMI transactions.
❓ FAQ
Frequently Asked Questions
Everything you need to know about YES ACE Credit Card
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹41,666/month min
- • CIBIL: 700+ recommended
The annual fee is ₹499.
The fee can be waived by Waived on annual spends of ₹50,000 in preceding year (Joining fee waived on spending ₹5,000 in first 30 days).
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 1,250 Reward Points on spending ₹2,500 within 30 days of card setup on activation!
Redeem for flights, hotels, vouchers via YES Bank rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
- • Instant: Pre-approved YES Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for YES ACE Credit Card today and unlock amazing rewards and premium experiences.
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