YES Bank ACE Credit Card Review
The YES Bank ACE is an entry-level rewards card aimed at everyday and online spenders, with fees that reverse on modest use. It’s a sensible starter card rather than a high-rate earner. Here is the verified review.
- 4X rewards on online shopping (8 points per ₹200)
- Up to 5X via subscription plans
- Joining & annual fees reversed on small spends
- 1% fuel surcharge waiver
- Purchase protection on online electronics
- Only 2 points/₹200 on non-online spends
- Entry-level rewards overall
- No lounge access
- Reward value depends on redemption
- Fuel waiver capped ₹125/month
Fees & rewards
| Item | Detail |
|---|---|
| Joining fee | Reversed on ₹5,000 spend in 1 month |
| Annual fee | Reversed on ₹50,000 annual spend |
| Online shopping | 4X rewards (8 points per ₹200) |
| Other/select spends | 2 points per ₹200 (up to 5X via subscription plans) |
| Fuel surcharge waiver | 1% (₹400–₹5,000, up to ₹125/month) |
| Purchase protection | Up to ₹50,000 (6 months, online electronics) |
Eligibility & documents
Age
21 to 60 years
Income
Per YES Bank norms
Recommended CIBIL
~720+
Network
Visa / Mastercard
Best for
First-time / online shoppers
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: first-time users and online shoppers who want a low-cost rewards card.
- Skip if: you want lounge access or high flat-rate rewards.
How to apply & how to cancel
Apply: via yes.bank.in. Cancel: call YES Bank customer care after clearing dues; redeem points first.
Final verdict
The YES Bank ACE is a tidy entry-level card — 4X on online spends, purchase protection and fees that reverse on light use make it a low-risk first or secondary card. Beyond online the rewards are modest, so pair it with a stronger everyday earner.
Frequently asked questions
How many points on online spends?
4X rewards — 8 points per ₹200 on online shopping; 2 points per ₹200 on other spends (up to 5X via subscription plans).
Can the fees be waived?
Yes — the joining fee reverses on ₹5,000 spend in a month, and the annual fee on ₹50,000 annual spend.
Does it offer purchase protection?
Yes — up to ₹50,000 cover (6 months) on electronics bought online.
Is there lounge access?
No — it’s an entry-level card without complimentary lounge access.
Data current as of June 2026, cross-checked against YES Bank and aggregator pages. Confirm current terms on yes.bank.in before applying.