Affordable Everyday Rewards Credit Card with Movie Savings & Fuel Waivers
First-time cardholders, students, and entry-level professionals seeking affordable reward points and entertainment savings.
₹499
One-time upfront₹499
Waived on ₹50,000 annual spendFor Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The YES ACE Credit Card serves as YES BANK's foundational lifestyle and retail credit product, engineered for first-time credit card applicants, early-career professionals, and value-oriented shoppers. Carrying an affordable joining and annual fee of ₹499 plus GST, it is matched with 500 welcome reward points upon completing an initial retail transaction within 30 days of issuance. Cardholders clear the annual renewal fee waiver with just ₹50,000 in yearly spends. The card focuses on everyday consumption baskets: cardholders earn 4 YES Reward Points per ₹200 spent on groceries, supermarkets, and departmental stores (a 0.5% return), and 2 YES Reward Points per ₹200 on all other non-fuel domestic purchases. Entertainment enthusiasts receive a 10% discount on movie ticket bookings on BookMyShow, providing regular savings for weekend cinema goers. A 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India rounds out its utility. While it lacks airport lounge privileges, the YES ACE card's accessible fee structure, attainable spend waiver, and movie perks make it a dependable credit builder.
For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Accelerated Categories (Dining & Travel) | 24 Reward Points per ₹200 spent (3.00% return) | No Cap | Standard terms apply |
| Other Retail Spends | 8 Reward Points per ₹200 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Accelerated Categories (Dining & Travel) | ₹12,000 | 24 Reward Points per ₹200 spent (3.00% return) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 8 Reward Points per ₹200 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹499 + GST; waived on cumulative retail spends of ₹50,000 or more in the anniversary year. • Welcome Benefit: 500 bonus YES Reward Points upon first transaction within 30 days of card issuance. • Everyday Rewards: 4 YES Reward Points per ₹200 on groceries, departmental stores, and supermarkets. • General Rewards: 2 YES Reward Points per ₹200 on all other eligible domestic retail transactions. • Movie Privileges: 10% discount on BookMyShow movie tickets, capped at ₹100 per month. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps nationwide. • Exclusions: Fuel purchases, wallet top-ups, cash advances, and rental payments do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding YES ACE Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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