What is the reward rate on the ACE Credit Card?

You earn 8 points per ₹200 on Online Shopping (except on Select categories). Everything else earns 2 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 400 points, roughly ₹100, which is about 1% back. The accelerated rate stops after ₹1,25,000 of spend in a month. Fuel, Wallet Load, Rent Payments, Cash Advance earn nothing at all.

Does the ACE Credit Card give free airport lounge access?

The ACE Credit Card gives 1 complimentary domestic lounge visits a year. There is no prior spend requirement on paper, though YES Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the ACE Credit Card recently and is it still worth it in 2026?

YES blanket devaluations. The changes are dated Dec 2024-May 2025. At ₹50,000 of yearly spend the card returns roughly ₹250 at its general rate of about 0.5%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

1572 1959 5449 4111

ACE Credit Card

YESVISA, MASTERCARD, RUPAY

Monzy Score

6/ 10

Decent for online shoppers.

~2.0% back on top spends; high 3.5% forex markup.

Card Issuer

YES Bank

Joining Fee

₹499

Annual Fee

₹499

Reward Type

—

Card Access

Standard

Earn Points

8pts

/₹200 on Online Shopping (max ₹1,25,000/Mo)

4pts

/₹200 on Offline Shopping

2pts

/₹200 on Utility Bill Payments (max ₹15,000/Mo)

Cashback on Gpay(500/Cycle)

Benefits

Shopping

2 Pts/₹200 Educational Services

2% Cashback Retail Spends
4 Pts/₹200 Offline Shopping

Utilities

2 Pts/₹200 Utility Bill Payments

5% Cashback Bills, Dth, Recharge via G Pay

Dining

Buy 1 Get 1 Coffee at Malls

Lounges

1 Domestic Lounge Visit/Year

Fuel

1% Fuel Surcharge Waiver

Entertainment

2 Pts/₹200 Tv/Radio/Streaming Services

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: rent, fuel, upi, government, cash, wallet_load, emi

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Online shopping (except select categories)

8 YES Rewardz per Rs 200 = 4 per Rs 100. 1 point ~Rs 0.25.

₹300

Offline shopping (except select categories)

4 YES Rewardz per Rs 200 = 2 per Rs 100.

₹0

Utility & insurance payments

2 YES Rewardz per Rs 200 = 1 per Rs 100.

₹0

Total Annual Return

₹3,600

1% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

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ACE Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

ACE Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind