Yes Ace Credit Card vs Yes Bank Elite Plus Credit Card: Which is Better in 2026?
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The Yes Ace Credit Card and Yes Bank Elite Plus Credit Card offer distinct benefits tailored to different user preferences. The former focuses on rewarding offline and online shopping, while the latter enhances travel experiences with lounge access and higher rewards for online transactions.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Yes Ace Credit Card | Yes Bank Elite Plus Credit Card |
|---|---|---|
| Bank | Yes Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.399 | Joining Fee of Rs.999 |
| Annual / renewal fee | Renewal Fee of Rs.399 | Renewal Fee of Rs.999 |
| Annual fee waiver | Spend Rs.5000 For Joining Fee Waiver | Spend Rs.20000 For Joining Fee Waiver |
| Reward rate (headline) | 4 Reward Points on Every Rs.200 For Offline Shopping | 4 Reward Points on Every Rs.200 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 3 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | — |
| Milestone benefit | — | — |
| Foreign currency markup | 2.75% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Yes Bank Elite Plus Credit Card is superior, offering 12 Reward Points on every Rs.200 spent online and 6 Reward Points for offline shopping. In contrast, the Yes Ace Credit Card provides 8 Reward Points for online purchases but only 4 for offline spending. This makes the Elite Plus a better choice for those who frequently shop online.
Which is better for travel?
The Yes Bank Elite Plus Credit Card also excels in travel benefits, providing 2 complimentary domestic lounge accesses per quarter and 3 international lounge accesses annually. The Yes Ace Credit Card does not offer any lounge access, making the Elite Plus a more attractive option for frequent travelers.
Which has lower effective cost?
In terms of effective cost, the Yes Ace Credit Card has a lower joining and renewal fee of Rs.399, with a waiver available after spending Rs.5000. The Elite Plus card, however, requires a Rs.999 fee with a higher waiver threshold of Rs.20000. This makes the Yes Ace Credit Card more appealing for budget-conscious users.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you prefer a low-fee option with decent rewards for offline shopping and online transactions. This card is suitable for users who want to minimize costs while still earning rewards.
Who should pick Yes Bank Elite Plus Credit Card?
Consider Yes Bank Elite Plus Credit Card if you are a frequent traveler who values lounge access and higher rewards for online shopping. This card is ideal for those who can meet the higher spending thresholds to maximize its benefits.
Frequently Asked Questions
The joining fee for Yes Ace Credit Card is Rs.399.
Yes Bank Elite Plus Credit Card offers 2 domestic lounge accesses per quarter and 3 international lounge accesses per year.
Yes Ace Credit Card offers 8 Reward Points on every Rs.200 spent on online shopping.
Yes, the fee waiver for Yes Bank Elite Plus Credit Card is available after spending Rs.20000.