Yes Bank ACE Credit Card

Yes Bank's entry-level everyday card (formerly Prosperity Rewards Plus), built around accelerated online-shopping rewards with a low, easily-waived joining/annual fee.

Rates and fees last verified 14 September 2026.

Annual fee

₹499

Joining fee

₹499

Reward type

points

Base reward rate

0.25%

Card network

Visa

Card tier

Entry

Reward rates by category

Online shopping1%

Eligibility

Minimum monthly income: ₹20,000
Employment: salaried, self-employed
Age: 21–60

Benefits

4X reward points (8 pts/₹200) on online shopping; 2 pts/₹200 on other spends, redeemable via YES Rewardz
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹125/statement cycle
Purchase protection cover up to ₹50,000 on mobiles/electronics bought via the card (6 months coverage)

Pros

+ Low ₹499 joining/annual fee, waivable on ₹50K annual spend
+ 4X rewards on online shopping
+ Purchase protection insurance on electronics

Cons

− Modest 0.25% base reward rate on non-accelerated spends
− High revolving interest rate (~47.9% APR) if dues are carried

Apply on Yes Bank's site

Applying takes you to Yes Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.