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The YES ACE Credit Card, earlier known as Prosperity Rewards Plus Credit Card, is a superior version of the YES Prosperity Rewards Credit Card and aims to add a touch of glamour to the lifestyles of its customers with all its benefits and exclusive offers. The card comes with a nominal joining fee of Rs. 399 and gives you several exciting rewards & offers. You get 8 Reward Points on online spends of Rs. 200, and for offline spends you earn 4 Reward Points. Spendings like government, utility, rental, wallet, and insurance payments shall also get 2 Reward Points per Rs. 200 spent. The card also gives you an opportunity to get your joining and renewal fee waived on the basis of your spends.

You can get accelerated Reward Points on making purchases through the YES cart. These Reward Points can be redeemed against various categories, including travel, dining, shopping, InterMiles, Club Vistara Points, etc., through the YesRewardz portal. With this card, you can also avail of great offers on travel, dining, shopping, etc., through YesPrivileges. Not only this, but the YES Prosperity Rewards Plus Credit Card, now known as the ACE Credit Card, has various advantages. To know all of them, keep reading the details given below:



Joining Fee

Rs. 399 + GST

Renewal Fee

Rs. 399 + GST

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

Rs. 500 Amazon Voucher on a Spend of Rs. 1000 Within 30 Days of Card Issuance

Movie & Dining


Rewards Rate

For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories

Reward Redemption

The reward points can be redeemed against a variety of products and vouchers available on the website.





Domestic Lounge Access


International Lounge Access


Insurance Benefits

Purchase Protection is Provided

Zero Liability Protection

Zero liability of the cardholder against any inappropriate transaction that takes place if the card is lost or stolen and the same is reported to the bank within the prescribed time frame.

Spend Based Waiver

Waiver of joining and renewal fee on the basis of the amount spent using the credit card.

Rewards Redemption Fee

Rs. 100 on every redemption request.

Rewards Redemption Fee

Rs. 100 on every redemption request.

Foreign Currency Markup

2.75% of the transaction amount

Interest Rates

3.8% per month

Fuel Surcharge

1% fuel surcharge is waived off across all fuel stations in India.

Cash Advance Charges

2.5% or Rs. 300 (whichever is higher)

Add-on Card Fee


  • For every Rs. 200 spent on online purchases, you will get 8 Reward Points.
  • 4 Reward Points on every Rs. 200 spent offline.
  • 2 Reward Points per Rs. 200 spent on select categories like rent, insurance, etc.
  • On each registration on YES PayNow, you will get 500 Reward Points.
  • Accelerated Reward Points on selected purchases done through YES Cart.
  • Spend-based waiver of joining and renewal fee.
  • You can avail of great offers on dining, shopping, travel, wellness, etc.


  • Low joining fee of Rs. 399.
  • Waiver of joining and renewal fees on reaching milestone benefits.


  • No international or domestic lounge access is provided with this card.
  • You won’t get any movie benefits along with this card.

Yes Bank ACE Credit Card Features and Benefits

Purchase Protection

Insurance cover for mobile phones and electronics purchased online for any accidental damage up to 6 months.

Fuel Surcharge

The 1% fuel surcharge is waived at all fuel stations in India for a minimum transaction of Rs. 400 & a maximum transaction of Rs. 5,000. You can get a maximum benefit of Rs. 125 in a month through the fuel surcharge waiver.

Joining and Renewal Fee Waiver

  • Wavier of joining fee on spending Rs. 5,000 or more within 30 days of receiving the credit card.
  • Waiver of renewal fee on spending Rs. 50,000 or more in an anniversary year.

YES Prosperity Rewards Plus/ACE Credit Card Rewards

  • 8 Reward Points on each spend of Rs. 200 for online shopping (except select categories). Capped at 5,000 Reward Points each statement cycle.
  • 4 Reward Points on each spend of Rs. 200 for offline shopping (except select categories).
  • You would earn 2 Reward Points for each spend of Rs. 200 on Select categories, which are Recharge, Utility, Rental, Wallet, Insurance, Education, and Government payments.
  • These Reward Points shall expire after a period of 36 months from the date of earning.
  • No Reward Points shall be earned on fuel transactions, cash withdrawals and payments converted into EMIs.

Rewards Redemption

The Reward Points you earn can be redeemed against various products available on YesRewardz.

Against Flights/Hotels Against gift vouchers/products Against InterMiles Against Club Vistara Points
1 RP = Rs. 0.25 1 RP = Re. 0.10 10 RP = 1 InterMile 10 RP = 1 CV Point

Eligibility Criteria

Here are some of the criteria that need to be met for the successful application of the YES Prosperity Rewards Plus Credit Card-

  • The applicant should be between the ages of 21 and 60 years.
  • Applicant should be either self-employed or salaried.
  • The minimum net salary to be eligible for this card is Rs. 25,000 per month or an
    Income Tax Return of Rs. 7.5 lakhs or above.

How To Apply for YES Prosperity Rewards Plus Credit Card

You can apply for the YES Prosperity Rewards Plus Credit Card easily with Card Insider. Apply Now for YES Prosperity Rewards Plus/ACE Credit Card. Keep a few documents like PAN Card and Aadhaar Card handy to fill in your details.

You can also apply for this credit card offline by visiting your nearest YES Bank branch.

Customer Care

You can contact the 24*7 customer helpline in the following ways:

  • The toll-free number for mobiles or landlines in India is 1800 103 1212.
  • When calling from outside of India, you can connect to customer care through +91 22 4935 0000.
  • Email ID – [email protected]

YES Bank ACE Credit Card Review

The YES Prosperity Rewards Plus credit card is a great card choice, especially for those who are aiming to save more on their spends. The card not only provides its customers with exclusive reward offers but also provides them with an opportunity to get their joining & renewal fees waived. Moreover, the Reward Points you earn can be redeemed easily against various products/categories.

Therefore, you can save a lot in the form of Reward Points with this card and then use them for several purposes. You also get great offers on dining, travel, shopping, etc., through YesPrivileges, which is again a significant feature of the card. So, if you want to save along with having great lifestyle benefits, you should go with the YES Bank ACE Credit Card.


Yes, you can redeem your Reward Points against InterMiles at a rate of 10 Reward Points = 1 InterMile.
Yes, you get 2 Reward Points for every Rs. 200 you spend on government, utility, insurance, and wallet payments.
Yes, you can get your joining fee waived off if you spend over Rs. 10,000 within the first 90 days after receiving your YES Prosperity Rewards Plus Credit Card.
The maximum eligible age to apply for the YES Prosperity Rewards Plus Credit Card is 60 years.
The Reward Redemption fee on this card is Rs. 100 per redemption request.

YES Prosperity Rewards Plus/ACE Credit Card


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