YES Bank
ACE Credit Card
SimplifyCards take:A good fit if you want a card built for online, entry level, and utility bills
✓
Best for Online ShoppingBest for
8 YES Rewardz Points / ₹200 spent
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for online, entry level, and utility billsBottom line
It offers accelerated rewards on online shopping
Estimate your YES Rewardz Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
YES Rewardz Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Online Shopping | 8 YES Rewardz Points / ₹200 spent | 5,000 YES Rewardz Points |
| Other Retail Spends | 4 YES Rewardz Points / ₹200 spent | - |
| Select Categories (utilities, Insurance, Education, Telecom) | 2 YES Rewardz Points / ₹200 spent | 600 YES Rewardz Points |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 0.25 airmile per point
Vouchersupto ₹ 0.1 per point
| Airline | Programme | Ratio |
|---|---|---|
| Club Vistara | Club Vistara | 4:1 |
| InterMiles | InterMiles | 4:1 |
| Air India | Maharaja Club | 10:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Adani One | Adani One Rewards | 100:10 |
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- First-year membership fee waived on spending ₹5,000 within 30 days of card issuance
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month
- Green fee waiver and complimentary golf lessons at select golf courses
Additional details
- 1% fee + GST on utility transactions when cumulative spends exceed ₹15,000 in a calendar month
- 1% fee + GST on rental transactions
- 1% fee + GST on wallet load transactions when cumulative spends exceed ₹15,000 in a calendar month
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Minimum monthly income: ₹25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual income (ITR): ₹7.5 Lakhs
Exclusions
Spending that does not earn yes rewardz points
- fuel spends
- rental payments
- wallet loading transactions
- government transactions
- marketing and advertising services
- cash advances / cash withdrawals
- EMI transactions (including post-facto conversions)
Compare before you decide
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