RBL Bank Platinum Shopgain Credit Card vs Yes Ace Credit Card: Which is Better in 2026?
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| Key facts | RBL Platinum Shopgain | Yes Ace |
|---|---|---|
| Annual fee | Not listed | ₹399 |
| Joining fee | Not listed | ₹399 |
| Annual fee waived | Not listed | On ₹50,000 annual spend |
| Forex markup | Not listed | 2.75% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Rbl Bank Platinum Shopgain Credit Card and the Yes Ace Credit Card both operate on the MasterCard network and offer reward points on spending. The Rbl Bank card provides a welcome bonus and milestone rewards, while the Yes Ace card focuses on differentiated reward points for online and offline shopping with a fuel surcharge waiver. Fee structures and forex charges vary, making each card suitable for different user preferences.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Rbl Bank Platinum Shopgain Credit Card | Yes Ace Credit Card |
|---|---|---|
| Bank | RBL Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee of Rs.399 |
| Annual / renewal fee | — | Renewal Fee of Rs.399 |
| Annual fee waiver | — | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 Reward Points per Rs.100 | 2 Reward Points on Every Rs.200 |
| Welcome benefit | Get 6000 Reward Points as Welcome Benefit | — |
| Milestone benefit | Earn 10000 Reward Points on Spend of Rs.3 Lakhs; Earn Additional 10000 Reward Points on Spend of Rs.4 Lakhs | — |
| Foreign currency markup | — | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Bank Platinum Shopgain Credit Card offers a straightforward reward system with 1 point per Rs.100 spent and a significant welcome benefit of 6000 points. It also provides milestone rewards on annual spends, including bonus points and vouchers. In contrast, the Yes Ace Credit Card offers varied reward points, including 8 points per Rs.200 on online shopping and 4 points on offline shopping, but lacks welcome or milestone benefits. Overall, Rbl Bank's card is better for those valuing upfront and milestone rewards, while Yes Ace suits users who shop frequently online and offline.
Which is better for travel?
Neither card explicitly offers lounge access or travel-specific benefits such as complimentary memberships or travel insurance. The Yes Ace Credit Card allows redemption of reward points for airmiles with partners like Intermiles and Vistara, which may appeal to frequent flyers. The Rbl Bank card does not mention such redemption options. Therefore, for travel-related rewards, Yes Ace has a slight edge, but both cards lack comprehensive travel perks.
Which has lower effective cost?
The Rbl Bank Platinum Shopgain Credit Card does not disclose joining or renewal fees or forex markup in the provided data, so checking the issuer's site is recommended. The Yes Ace Credit Card charges a joining and renewal fee of Rs.399 each, with a waiver on renewal fee if Rs.50,000 is spent annually. It also has a 2.75% forex markup and a 1% fuel surcharge waiver. For users sensitive to fees and forex charges, the Rbl Bank card may be more cost-effective if fees are indeed lower or waived, but confirmation is needed.
Reward Redemption Options
Yes Ace Credit Card allows redemption of reward points for airmiles with partners such as Intermiles and Vistara, which can be valuable for frequent travelers. The Rbl Bank Platinum Shopgain Credit Card does not specify reward redemption options, so users should check the issuer's site for details.
Fee Waiver Conditions
Yes Ace Credit Card offers a renewal fee waiver if the cardholder spends Rs.50,000 annually, providing a clear path to avoid renewal charges. The Rbl Bank card does not specify any fee waiver conditions in the available data, making it important to verify fees before applying.
Fuel Surcharge Benefits
Yes Ace Credit Card provides a 1% fuel surcharge waiver across all petrol pumps, which can save costs for regular fuel buyers. The Rbl Bank Platinum Shopgain Credit Card does not mention any fuel surcharge waiver benefits.
Who should pick Rbl Bank Platinum Shopgain Credit Card?
Consider Rbl Bank Platinum Shopgain Credit Card if you prefer a card with a welcome bonus and milestone rewards that provide additional value on high annual spends. It is suitable for users who pay utility bills frequently and want to accumulate reward points steadily without worrying about joining or renewal fees upfront, subject to fee verification.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you want differentiated reward points on online and offline shopping and value the ability to redeem points for airmiles. It is also a good choice if you frequently spend on fuel and want a fuel surcharge waiver, and you are comfortable with a moderate joining and renewal fee that can be waived with annual spend.
Frequently Asked Questions
The joining fee is not specified in the available data; please check the RBL Bank website or contact the bank for details.
The Yes Ace Credit Card has a renewal fee of Rs.399, which can be waived if you spend Rs.50,000 annually.
No welcome benefits are mentioned for the Yes Ace Credit Card in the provided data.
Yes Ace Credit Card allows redemption of points for airmiles with partners like Intermiles and Vistara. The Rbl Bank card does not specify such options.
Yes Ace Credit Card offers a 1% fuel surcharge waiver at all petrol pumps. The Rbl Bank card does not mention any fuel surcharge waiver.
The forex markup fee for the Yes Ace Credit Card is 2.75% on foreign currency transactions.