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Yes Bank

ACE Credit Card

A low-fee entry points card (renamed from YES Prosperity Rewards Plus) with no lounge access and generic-bucket redemption values.

Joining fee
₹499
Annual fee
₹499
Status
Open
Verified
3 September 2026

Fees

Joining fee
₹499
Annual fee
₹499
Fee waiver
Waived above ₹50,000 annual spend
Forex markup
2.75%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • other-online: 8 points / ₹200Capped at 5,000 points/statement cycle across all categories on this card.
  • everything-else: 4 points / ₹200
  • utilities, education, insurance: 2 points / ₹200

A ₹100+GST reward redemption fee applies per request, per the shared MITC.

Eligibility

Minimum age
21 years
Minimum monthly income
₹25,000

Why this card may suit you

  • The annual fee is waived once you spend 50,000 in a year.

Source & Verification

Verified from official issuer sources. Last verified 3 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge