YES BANK ACE Credit Card
YES BANK
₹499
Joining fee
₹499, waived at ₹50k spend
Annual fee
Rs 499 joining fee reversed on spending Rs 5,000 within one month of setup; Rs 499 annual fee reversed on spending Rs 50,000 in a year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried minimum Rs 25,000/month; self-employed ITR Rs 7.5 lakh+; credit score above 750 recommended but not stated as a hard requirement.
Lounge access
0 domestic / 0 international visits per year
Reward details
2 points per Rs 200 on select merchant categories
- 8 points per Rs 200 on Online shopping (4X) — 5,000 points/month
- 4 points per Rs 200 on Offline shopping (2X)
Redemption
Not specified in content fetched
Excluded from rewards: rent, wallet, fuel, UPI, government & marketing/advertising category transactions, cash withdrawals, EMI-converted transactions
- Optional Plan 1 (Rs 1,000/year): 2X online + 3X offline rewards
- Optional Plan 2 (Rs 2,000/year): 3X online + 5X offline on dining/travel/fashion/healthcare, additional points capped at 75,000/statement cycle
- Fuel surcharge waiver 1%, max Rs 125/month, on fuel spends Rs 400-5,000
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 4X reward points on online spends; easily achievable joining/annual fee reversal thresholds — Paisabazaar
Complaints
- No travel/lifestyle benefits; no points on rent, fuel, UPI; suited for entry-level rewards-focused users only — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass
- Aggregator — fees, eligibility, rewards, sentiment