RewardsMidMastercardVisa

YES Bank ACE Credit Card

Online-weighted rewards with a spend-reversed fee

Annual fee₹499Waived on ₹0.5L spend

Rewards8 YES Rewardz Points per ₹200 on online shopping, 4 per ₹200 on offline shopping and 2 per ₹200 on select categories.

Forex markup2.8%2.75% on foreign currency conversion

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Rewards

Base earn rate

8 YES Rewardz Points per ₹200 on online shopping, 4 per ₹200 on offline shopping and 2 per ₹200 on select categories.

YES Rewardz

Category	Rate	Cap
Online Shopping	—	Maximum 5,000 points per statement cycle
Offline Shopping	—	—
Select Categories	—	Utility spends capped at 150 points per statement cycle
YES Pay Now	—	—

Joining fee: ₹499 plus applicable taxes
Annual / renewal fee: ₹499 plus applicable taxes
Annual fee waiver: The first-year fee is reversed on spends of ₹5,000 within one month of card set-up. The renewal fee is reversed on spends of ₹50,000 in the 12 months before the renewal date.
Interest rate: 3.99% per month (47.88% per annum) on revolving credit, cash advances and overdue amounts
Interest-free period: 50 days
Cash advance fee: 2.5% of the amount withdrawn or ₹500, whichever is higher
Overlimit fee: Not applicable. YES Bank discontinued the overlimit facility with effect from 1 May 2025; transactions above the sanctioned limit are declined instead of being charged.
Payment dishonour: ₹450 per returned cheque. Auto-debit failure is charged at 2% or ₹450, whichever is higher, capped at ₹1,500 per customer per statement.
Forex markup: 2.75% on foreign currency conversion
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹100/cycle
Duplicate card: ₹100