CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Yes Bank

Yes Bank Ace Credit Card

27
Ranked #116 of 170 in credit
creditVisa/MastercardEntry-Mid

Yes Bank's rebranded entry-mid tier card (formerly "YES Prosperity Rewards Plus"), offering accelerated online-spend rewards, a preferential 2.75% forex markup, and availability against a Fixed Deposit for credit-builders.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value12/100 · weight 71%
≈ 0.59% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.8% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks5/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Waived on spending Rs50,000 in the membership year (1st year: waived on Rs5,000 spend within 30 days per some sources; verify at application)
Forex markup
2.75%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
diningpoints1.00%(4 pts @ ₹0.25)—4 Reward Points per Rs 200 on dining out
online_shoppingpoints1.00%(4 pts @ ₹0.25)—8 pts/Rs200 online = 4% at Rs0.25/pt
all_spendspoints0.50%(2 pts @ ₹0.25)—4 pts/Rs200 offline base = 2%

Welcome offer

None consistently documented; joining fee waiver on Rs5,000 spend in first 30 days

Milestone benefits

Pros

  • Low fee (Rs499)
  • preferential 2.75% forex markup (better than typical 3.5%)
  • reward points never expire
  • available secured against FD (good for credit-building)
  • good accelerated rewards on online spends (8pts/Rs200)

Cons

  • No lounge access
  • fuel surcharge waiver terms tightened in June 2026 revision (narrower range, lower cap)
  • YesPrivileges lifestyle benefits vary significantly by city

What's inside

More benefits

  • YesPrivileges lifestyle offers

    Curated offers across dining, travel, and shopping via YesPrivileges platform

    unlimited. Select cities

Insurance cover

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Eligibility

text
Age 21-60; min income Rs25,000-35,000/month (sources vary) or ITR Rs5-7.5L; also available against FD of Rs30,000+

Small print

Fuel surcharge:1% waiver effective from June 2026 revision: Rs1,000-3,500 range, capped Rs100/statement cycle (NEW/tighter terms vs earlier Rs400-5,000/Rs300 cap)