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YES BANK · researched credit card

YES BANK ACE Credit Card

YES BANK's entry reward card combines a ₹499 fee, online-spend acceleration and a relatively low ₹50,000 annual renewal-waiver threshold.

First-party evidenceActiveReviewed September 9, 2026
Beginner & Entry-Level CardsRewards Credit CardsOnline Shopping Credit Cards
Open official issuer sourceIssuer dossier
Annual fee₹499 + applicable GST
Joining fee₹499 + applicable GST
NetworkVisa / Mastercard / RuPay variant as offered
Last reviewedSeptember 9, 2026
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 24, 2026.

Decision brief

Start with fit before chasing headline benefits.

The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.

Potential fit

Lower-spend online shoppers who want a modest-fee reward card and can naturally clear the ₹50,000 renewal-waiver threshold.

Before you apply
  • Accelerated online rewards are capped each statement cycle.
  • YES Rewardz value depends on redemption route.
  • Fee waiver should not encourage incremental spending.
Four critical factors

Read these four fields before anything else.

They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.

Reward model8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle
Fee waiverSpend ₹5,000 within 30 days to waive first-year membership fee; spend ₹50,000 in the card anniversary year to waive the next renewal fee
Lounge accessNot positioned as a core lounge card in the reviewed YES BANK material
Forex markup2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Published terms

Exact decision fields from the maintained profile.

These fields preserve source wording and conditions rather than reducing the card to a single score.

Joining fee₹499 + applicable GST
Annual fee₹499 + applicable GST
Fee waiverSpend ₹5,000 within 30 days to waive first-year membership fee; spend ₹50,000 in the card anniversary year to waive the next renewal fee
Rewards8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle
NetworkVisa / Mastercard / RuPay variant as offered
Lounge accessNot positioned as a core lounge card in the reviewed YES BANK material
Forex markup2.75% foreign-currency conversion charge in the reviewed Schedule of Charges
Value interpretation

Separate published mechanics from personal value.

The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.

Annual-cost test

Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.

Reward-value test

Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.

Travel-benefit test

Travel perks are not the central reason to choose this card; compare the primary earning categories first.

Approval reality

Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.

Reward-value calculatorModel an effective reward rate and cap.→Annual-fee break-evenEstimate the eligible spend needed to recover the fee.→Forex-cost calculatorEstimate markup and GST on overseas spend.→
Decision checklist

Five questions to answer before applying.

These questions turn the researched terms into a personal decision without estimating approval odds.

Annual-cost question

Would you pay the stated annual fee if you did not hit the waiver?

₹499 + applicable GST · Spend ₹5,000 within 30 days to waive first-year membership fee; spend ₹50,000 in the card anniversary year to waive the next renewal fee

Earning question

Does your normal spending actually fall into the card’s rewarded categories?

8 YES Rewardz Points per ₹200 on eligible online shopping, 4 per ₹200 on eligible offline shopping and 2 per ₹200 on select categories in the reviewed value chart; accelerated online earn is capped at 5,000 points per statement cycle

Travel question

Are the lounge and international-use terms useful for your real travel pattern?

Not positioned as a core lounge card in the reviewed YES BANK material · 2.75% foreign-currency conversion charge in the reviewed Schedule of Charges

Complexity question

Can you realistically track the caps, channels and exclusions behind the headline benefit?

Accelerated online rewards are capped each statement cycle. YES Rewardz value depends on redemption route.

Eligibility question

Does the application route fit your profile without assuming approval?

Subject to YES BANK underwriting, documentation and internal eligibility policy

Eligibility & underwriting

Published eligibility is not an approval prediction.

Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.

Published eligibility

Subject to YES BANK underwriting, documentation and internal eligibility policy

Maintained comparisons

Compare this card against exact researched alternatives.

Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.

Browse all maintained card comparisons →
Research next

Alternatives without pretending one card is universally better.

These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.

First-party evidence ledger

Verify the card against the documents behind the profile.

Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.

Evidence statefirst party verified
ReviewedSeptember 9, 2026
Issuer documents3
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceKey Fact StatementView ↗
Supporting source 2Reward / value termsView ↗
Supporting source 3Fee / charge scheduleView ↗

Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.