YES Private Ace Credit Card
Unlimited lounge access on a card with mediocre rewards — only worth it for ultra-frequent flyers.
By Ashutosh · Updated June 2026
YES Private Ace's value proposition is simple: unlimited lounge access. If you fly 20+ times a year domestically and value lounge access above rewards, this card delivers. The unlimited visits have no cap — use a lounge every week if you want.
But 0.5-0.75% reward rates on a ₹10,000/year card are hard to justify on spending alone. The 50K points/month cap further limits earning potential. This is purely a lounge card — if you need rewards, look elsewhere.
Ultra-frequent domestic travelers (20+ flights/year) who use airport lounges regularly. If lounge visits are your primary credit card benefit, the unlimited access justifies the fee.
You fly less than 15 times a year. HDFC Regalia (18 lounge visits) or BOB Eterna (18 visits) offer similar lounge access with significantly better reward rates.
6 pts/₹200 online (0.75%), 4 pts/₹200 offline (0.5%) · 1pt = ₹0.25 · 50K pts cap/cycle · Fuel/rent excluded
PROS
- Unlimited domestic + intl lounge
- Higher online rate
CONS
- ₹10K + GST fee
- Low reward rates overall
- Fuel/rent excluded
- 50K pts cap
- Unlimited lounge access: No visit caps, domestic or international. For someone flying weekly, this is unmatched.
- Online spending: 0.75% online is the highest rate this card offers — modest but slightly above its offline rate.
0.5% base on a ₹10K card. HDFC Regalia gives 1.33% with better perks for a lower effective fee.
0.75% when competitors offer 5%+. The gap is enormous.
YES Ace for unlimited lounges, ACE for all actual spending (1.5-5%). Lounge card + rewards card.
View Axis ACE →Is unlimited lounge really unlimited?
Yes, no caps on domestic or international Priority Pass visits. Each visit can include 1 guest (guest visit also free on most programs).
Can I get the ₹10K fee waived?
Yes, at ₹10L annual spend (₹83K/month). A high bar that most people won't reach casually.
YES Bank reliability concerns?
YES Bank went through a crisis in 2020 but has since stabilized under new management with RBI oversight. Card operations continue normally.