YES Bank
YES BANK ACE Credit Card
Best for entry-level users, affordable annual fee
₹499/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹499/yr
Reward rate
1x
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
None
Eligibility
₹2 lakh/yr · CIBIL 700+
Reward cap
₹500/month
Welcome benefit
None beyond the reward rate
Who is this for
- First-time cardholder
- Entry-level user
What we like
- Low Rs 499 annual fee
- Easy waiver at Rs 25,000
- 3x on dining
Watch out for
- Modest 1x base reward rate
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹499 | Waived on Rs 25,000 annual spend |
| Late payment | ₹300 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | — | 0.25 |
| DINING | 3.00 | ₹500/month | 0.25 |
Benefits
-
Affordable annual fee Highlight
Rs 499 annual fee, waived on Rs 25,000 spend
-
Dining rewards Highlight
3x YES Rewardz on dining
-
Fuel surcharge waiver
1% fuel surcharge waiver
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,00,000
- Min. credit score
- 700+
- Score note
- Stable income with decent credit
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, address proof
YES BANK ACE Credit Card is a Visa entry-level rewards card from YES Bank, with low Rs 499 annual fee and 3x rewards on dining.
Fees and rewards
- Annual fee: Rs 499 (waived on Rs 25,000 annual spend)
- Joining fee: Nil
- Rewards: 1 YES Rewardz per Rs 100; 3x on dining
Eligibility
PAN, Aadhaar, latest salary slips / ITR, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for YES BANK ACE Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the YES BANK ACE Credit Card worth it?
What is the annual fee for the YES BANK ACE Credit Card?
How does the YES BANK ACE Credit Card reward rate work?
What are the eligibility requirements for the YES BANK ACE Credit Card?
Does the YES BANK ACE Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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