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YES BANK
An entry-level rewards card at a 2.75% forex markup, below the usual 3.5%.
One-time
Waived on ₹50,000/yr
Uncapped rewards
Score 700+
Applying takes you to YES BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from YES BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Bills
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
8% on Online shopping — 8 YES Rewardz points per ₹200 spent online on select categories (4X), with no stated cap.
Biggest limitation
A Reward Point is worth about Rs. 0.25, so the headline multipliers convert at a quarter of their face value.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
8 pts
uncappedOnline shopping
8 YES Rewardz points per ₹200 spent online on select categories (4X)
4 pts
uncappedEverything else
4 YES Rewardz points per ₹200 spent offline on select categories (2X)
2 pts
uncappedBills
2 YES Rewardz points per ₹200 on utility
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Rs. 499 + GST joining and annual fee. YES Bank publishes no spend-based waiver for this card in summary. |
| Add-on card | Not published by YES Bank in the summary for this card. Check the card's schedule of charges. | — |
| Cash withdrawal | Not published by YES Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | Not published by YES Bank in the summary for this card. Check the card's schedule of charges. | — |
| Foreign currency markup | 2.75% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹999
of one-time welcome value, on top of what you earn
Every year after
₹50,000 a year
is what it takes to keep the ₹499 fee off — about ₹4,167 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at fuel stations across India, capped at a maximum waiver of ₹125 per statement cycle
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹999
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
Joining fee of ₹499+GST reversed on spending ₹5,000 or more within the first 30 days of card issuance
Only on ₹5,000 of spend within 30 days. Miss it and the benefit does not arrive.
₹500 Amazon gift voucher on eligible spends of ₹1,000 within 30 days, per current YES Bank campaign terms (verify validity)
Spend ₹50,000 a year — about ₹4,167 a month
Renewal fee waiver (Spend ₹50,000 or more in the preceding membership year)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| YES Bank ACE Credit Card · this card | ₹499 | 8% online shopping | No |
| YES Bank Rio RuPay Credit Card | Lifetime free | See card | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹50,000 of annual spend.
The strongest published rate is 8% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions. No Rewardz points on fuel purchases, rent payments, wallet loads, and government services; fuel transactions below ₹400 or above ₹5,000 do not qualify for the surcharge waiver
YES BANK publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
YES Rewardz catalogue, Statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 499 + GST joining and annual fee. YES Bank publishes no spend-based waiver for this card in summary.
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
YES Bank ACE Credit Card — 8% on online shopping. ₹499 a year.