Yes Bank ACE

Fees

Waiver: Renewal fee waived on spends of ₹50,000 or more in the 12 months preceding the renewal cycle. The first-year joining fee is waived separately by spending ₹5,000 or more within 30 days of card issuance.

Rewards

Perks

• ✓Fuel surcharge waiver: 1%1% surcharge waiver on fuel transactions between ₹500 and ₹3,000 at fuel stations in India, capped at ₹125 per statement cycle. This range was narrowed from ₹400–₹5,000 in a Yes Bank fee revision effective 15 June 2026.
• ✓Forex markup: 3.5%
• ✓Credit Shield cover of ₹1 lakh
• ✓Lost card liability cover of up to ₹1.3 lakh
• ✓Purchase protection of up to ₹50,000 on electronics bought online, for 6 months from date of purchase
• ✓8 reward points per ₹200 spent online and 4 reward points per ₹200 spent offline, both on selected merchant categories only
• ✓2 reward points per ₹200 on select categories (recharge, utility, insurance, education payments)
• ✓Rewards are not earned on rent, fuel, UPI, government payments, cash withdrawals, wallet loads, or EMI conversions
• ✓Reward points expire 36 months after being earned; a ₹100 fee applies per redemption request on the YES Rewardz portal
• ✓Curated lifestyle offers across travel, dining, shopping, wellness and entertainment through partner merchants in select cities (city- and merchant-dependent, not a fixed benefit)