YES Ace Credit Card Review
Get the YES Ace VISA card with 2.5% rewards and 1% cashback. Enjoy lounge access and movie perks with a 4 Lakh annual income requirement from YES Bank.
CrayDit Score · 40% match
YES Ace Latest Changes & Updates
Track the latest YES Ace changes, including reward updates, lounge access rules, fees, eligibility and benefits that impact cardholders.
- 1★ New
Cashback on online spends
- 2
Fuel surcharge waiver
At a Glance
Key takeaways for YES Ace
YES Ace is an Indian credit card from Yes. Based on the latest 2026 updates, it carries a ₹999 annual fee and a 2.5% estimated reward rate.
YES Ace is for lifestyle spenders with 4 lakh+ annual income who can use rewards, lounge access, and premium benefits enough to offset the fee.
The estimated reward rate is 2.5%, with cashback potential of 1%.
The annual fee is ₹999 and the joining fee is ₹999.
YES Ace is not primarily a travel-first card.
YES Ace is worth it when annual rewards and used benefits exceed the fee after realistic redemption assumptions.
Card OverviewWhat is YES Ace Credit Card?
The YES Ace VISA card is a versatile offering from YES Bank designed for users seeking a blend of rewards and lifestyle perks. With a minimum income requirement of 4 Lakhs, it targets the mid-segment market. The card focuses on delivering value through a dual reward and cashback system. It integrates essential travel and entertainment benefits to enhance the user experience. This card serves as a balanced tool for everyday spending and leisure.
Reward Point AnalysisRewards, redemption value, and fee recovery
The YES Ace card offers a strong earning potential with a 2.5% reward rate alongside a 1% cashback rate. This dual structure allows cardholders to accumulate value rapidly across various spending categories. Users can leverage these rewards to maximize the return on their monthly expenditures, making it a viable choice for those prioritizing direct value back on their purchases.
Reward Calculator
Estimate annual card value
Effective rate
2.42%
Annual Spend
₹12,00,000
Annual Rewards
₹30,000
Net Value
₹29,001
This estimate uses the headline reward rate and subtracts the annual fee. Actual value can change with excluded categories, reward caps, milestone benefits, taxes, and redemption partner selection.
Benefits BreakdownTravel, lifestyle, lounge, and international benefits
Cardholders receive two domestic lounge access visits to enhance travel comfort. The card includes a fuel surcharge waiver to reduce commuting costs. Additionally, users can avail of specialized movie and dining benefits to enjoy leisure activities. These perks are subject to the bank's terms and conditions and require a valid KYC and a good credit history for eligibility.
Fees & ChargesUnderstand every major cost before applying
Joining Fee
₹999
One-time onboarding cost charged by the issuer unless waived by an offer.
Annual Fee
₹999
Recurring fee; compare against rewards, vouchers, lounge usage, and renewal-waiver rules.
Forex Fee
2.99%
Markup on international transactions before taxes and network conversion effects.
Late Payment Charges
Issuer slab-based
Avoid carrying balances; late fees and interest can erase reward value quickly.
Interest Rate
Issuer terms apply
Credit-card interest is expensive and should not be used to finance routine spends.
EligibilityWho can apply and what documents are needed
21 – 60 Years
Standard applicant age criteria, subject to issuer policy.
₹4,00,000+ p.a.
Recommended minimum annual income for optimal approval odds.
Salaried & Self-Employed
Applicants require stable income with verifiable proof.
Indian Citizen / Resident
Must hold valid residential address and KYC documents.
750+ CIBIL Score
A strong repayment history improves underwriting outcomes.
PAN, Aadhaar & Income Proof
Required for identity and income check by the issuer.
Real World Use CasesAnnual value by user profile
Frequent Traveller
High airport usage makes lounge and travel benefits easier to monetize.
Corporate Executive
Large reimbursable or business-adjacent spends can amplify reward earning.
Luxury Lifestyle User
Dining, premium service, and travel comfort can justify a high-fee card.
Average User
Moderate spends need careful fee recovery and should avoid unused premium perks.
Is It Worth The Fee?Spend-level fee recovery analysis
The card becomes compelling when reward value plus actually used benefits exceed ₹999. The table below uses the stored reward rate and subtracts the annual fee, before any issuer taxes, exclusions, caps, or milestone bonuses.
Annual Spend
₹5,00,000
Estimated Rewards
₹12,500
Net Value (After Fee)
₹11,501
Annual Spend
₹10,00,000
Estimated Rewards
₹25,000
Net Value (After Fee)
₹24,001
Annual Spend
₹20,00,000
Estimated Rewards
₹50,000
Net Value (After Fee)
₹49,001
Annual Spend
₹30,00,000
Estimated Rewards
₹75,000
Net Value (After Fee)
₹74,001
Pros
- Competitive 2.5% reward rate
- Additional 1% cashback on spends
- Complimentary domestic lounge access
- Exclusive movie and dining benefits
- Fuel surcharge waiver included
Cons
- Joining fee of INR 999 applies
- Annual fee of INR 999 is mandatory
Who should get YES Ace?
YES Ace Credit Card is a strong fit for lifestyle spenders with 4 lakh+ annual income who can spend enough to recover the ₹999 annual fee through rewards and actual benefit usage, who want dining or entertainment perks as part of their card experience, who redeem rewards thoughtfully and pay every statement balance in full. It works especially well as a primary card for structured reward planning, provided you align your spending with its strengths and check Yes's latest terms before applying.
Who should avoid YES Ace?
Avoid YES Ace Credit Card if your monthly card spend is too low to recover the annual fee, if you prefer simple, no-fee cashback cards without tracking complex rules, if you make frequent international transactions and need a lower forex markup, if you may revolve balances, as interest and late fees can quickly erase any reward value. Even a premium card can deliver weak real value if you leave benefits unused or make poor redemption choices.
Competitor ComparisonYES Ace vs fuel alternatives
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
Annual Fee
Reward Rate
Lounge Access
Ideal User
| Card | Annual Fee | Reward Rate | Lounge Access | Ideal User |
|---|---|---|---|---|
| Axis Airtel | ₹500 | 3% | 0 | Cashback users |
| RBL Zomato | ₹499 | 2% | 0 | Cashback users |
| AU Tejas | ₹500 | 2% | 0 | Cashback users |
| HDFC Millennia | ₹1,000 | 4% | 4 | Cashback users |
| HSBC Cashback | ₹1,999 | 3% | 4 | Cashback users |
Expert ReviewCraydit Expert Review
The YES Ace VISA card provides a solid value proposition, particularly in the rewards and lifestyle segments. The combination of lounge access and dining perks makes it suitable for urban professionals. While the INR 999 annual and joining fees are present, the 2.5% reward rate helps offset these costs. It is a well-rounded card for those meeting the 4 Lakh income criteria who want a mix of travel and entertainment.
Travel Rating
Rewards Rating
Lifestyle Rating
International Rating
User ReviewsUser Reviews & Ratings for YES Ace
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FAQYES Ace FAQs
Yes, particularly if you align with its latest terms. YES Ace Credit Card is most suitable for lifestyle spenders with 4 lakh+ annual income. It remains worth considering if your regular spends match its reward categories. With recent reward restructuring across the industry, avoid judging it only by headline rates; focus on the current annual fee, updated exclusions, and realistic redemption value.
YES Ace Credit Card has a listed annual fee of ₹999 and a joining fee of ₹999. Treat the card as worthwhile only if your yearly rewards, fee waivers, vouchers, and usable benefits can exceed this cost.
We recommend an annual income of around ₹4,00,000 for this card. In practice, approval also depends on bureau score, repayment history, existing credit limits, job or business stability, city, and Yes's internal policy. A credit score above 750 generally improves approval chances.
YES Ace Credit Card offers 2 domestic and 0 international lounge visits. Banks may require minimum quarterly spends or may change eligible lounges, so verify the current access rules on Yes's website.
We estimate YES Ace Credit Card to have a 2.5% reward rate and 1% cashback potential. Actual earnings can be lower because banks often exclude rent, wallet loads, fuel, education, government payments, insurance, EMI transactions, or spends above monthly caps.
YES Ace Credit Card has a listed forex markup of 2.99%. For frequent foreign spends, compare this markup with the reward value you earn back. A low-forex card may be better if you travel abroad often or pay for international subscriptions.