# YES BANK ACE

YES Bank · Visa. ₹499 fee · 3.5% forex · 4 RP / ₹200 offline (all other eligible).

verified · checked 28 June 2026 · Source: https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/ace-credit-card

## How it earns (4)

- 4 RP / ₹200 offline (all other eligible) · verified · checked 28 June 2026
- 8 RP/₹200 on online shopping, combined cap 5,000 RP/cycle · cap 5,000 points per statement cycle · online · verified · checked 28 June 2026
- 2 RP/₹200 on cable, satellite and streaming only · insurance and education earn nothing since 15 Jun 2026 · ✓ official · checked 13 July 2026
- 2 RP/₹200 on utilities, cap 150 RP/cycle from 15 Jun 2026 · cap 150 points per statement cycle · ✓ official · checked 13 July 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 4 RP / ₹200 offline (all other eligible)
- Vouchers for Bharat Petroleum (BPCL), Acko Insurance, BYJU'S, Tanishq and 26 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads, even where the 2 RP/₹200 select rate would apply
- No RP since 15 Jun 2026: fuel, rent, wallet, govt, marketing/advertising, insurance, education, railways, toll, ferry, jewellery · also cash, EMI-converted and UPI

## Transfer partners (1)

- Maharaja Points · 15 : 1 · unknown · verified · checked 29 June 2026

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1%
- Earns: YES Reward Points · ₹0.25 a point at baseline

## Dated changes (3)

- Devaluation · 15 June 2026: YES Bank stopped rewards on insurance, education, railways, toll, ferry & jewellery (https://getbrief.cards/changes#yes-earn-excl-2026)
- Fee change · 15 June 2026: YES Bank raised forex markup across its card range (https://getbrief.cards/changes#yes-forex-2026)
- Retention rule · 18 December 2023: YES Bank renamed its card line-up (18 Dec 2023) (https://getbrief.cards/changes#yes-2023-rebrand)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/yes-ace