YES BANK ACE Credit Card
YES BANK · Points/miles card · ₹499 annual fee
Fees & benefits
| Annual fee | ₹499 + GST — waived at ₹50,000/yr spend |
| Welcome benefit | ~₹499 value |
| Airport lounges | None |
| No rewards on | rent, wallet, fuel, government, insurance, education, railways, toll, jewellery, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 8 YES Rewardz points per Rs.200 on online shopping | 0.8% | ₹1,000 | online |
| 4 YES Rewardz points per Rs.200 on offline shopping | 0.4% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Renamed: formerly 'YES Prosperity Rewards Plus'. New applicants receive the YES BANK ACE Credit Card (verified 2026-07-16); the old Prosperity Rewards Plus earn schedule no longer applies.
Effective 15 June 2026, rewards stop on UPI, insurance, education, railways, toll, ferry and jewellery (modeled as excluded categories / no UPI earn).
YES Rewardz point value is not fixed by the issuer; modeled at Rs.0.20/point pending confirmation.
Quick answers
Is the YES BANK ACE Credit Card lifetime free?
No, the annual fee is ₹499 (plus GST), waived on spending ₹50,000 a year.
What is the highest reward rate on the YES BANK ACE Credit Card?
0.8% — 8 YES Rewardz points per Rs.200 on online shopping. Effective value depends on monthly caps; see the caveats on this page.
Does the YES BANK ACE Credit Card give airport lounge access?
No, the YES BANK ACE Credit Card does not include airport lounge access.