Yes Ace Credit Card vs Yes Bank Select Credit Card: Which is Better in 2026?
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The Yes Ace Credit Card and Yes Bank Select Credit Card offer distinct benefits tailored to different spending habits. While both cards have similar forex markup rates and fuel surcharge waivers, their rewards structures and additional perks vary significantly.
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 Select Credit Card |
|---|---|---|
| Bank | Yes Bank | Yes Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.399 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fee of Rs.399 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.5000 For Joining Fee Waiver | Spend Rs.10000 For Joining Fee Waiver |
| Reward rate (headline) | 4 Reward Points on Every Rs.200 For Offline Shopping | 4 Reward Points on Every Rs.200 For Offline Shopping |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | — |
| 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 Select Credit Card is more advantageous, offering 8 Reward Points on every Rs.200 spent on online shopping, compared to the Yes Ace Credit Card's 2 Reward Points on every Rs.200. Both cards provide 4 Reward Points for offline shopping, but the Select card's higher online rewards make it a better choice for frequent online shoppers.
Which is better for travel?
In terms of travel benefits, both cards offer a similar structure for redeeming reward points into travel miles. However, the Yes Bank Select Credit Card provides one complimentary airport lounge access per quarter, which could be beneficial for frequent travelers. The Yes Ace Credit Card lacks any lounge access, making the Select card a better option for those who travel often.
Which has lower effective cost?
When considering effective costs, the Yes Ace Credit Card has a lower joining and renewal fee of Rs.399, compared to Rs.499 for the Yes Bank Select Credit Card. Additionally, the Ace card requires a higher spend of Rs.50,000 for a renewal fee waiver, while the Select card only requires Rs.10,000, making the Select card potentially more accessible for fee waivers.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you are looking for a card with lower fees and a straightforward rewards structure. This card is suitable for individuals who prefer to keep costs down while still earning rewards on their spending.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you frequently shop online and travel, as it offers superior rewards on online purchases and complimentary lounge access, enhancing your travel experience.
Frequently Asked Questions
The joining fee for the Yes Ace Credit Card is Rs.399.
Yes, the Yes Bank Select Credit Card offers 1 complimentary airport lounge access per quarter.
Both the Yes Ace Credit Card and Yes Bank Select Credit Card have a forex markup of 2.75% on foreign currency transactions.
You can waive the renewal fee for the Yes Bank Select Credit Card by spending Rs.10,000.