YES Private Ace
YES Bank · Super Premium · Visa Infinite
Annual Fee
₹10,000
Fee Waiver
₹10L annual spend
Lounge Access
Unlimited
Best Rate
0.75%
Network
Visa Infinite
✅ Data verified March 2026
Reward Rates by Category
🛒Online Shopping
0.75%
🍽️Dining
0.5%
✈️Travel
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
6 pts/₹200 online (0.75%), 4 pts/₹200 offline (0.5%) · 1pt = ₹0.25 · 50K pts cap/cycle · Fuel/rent excluded
🚀 Boosted Rates (Partners & SmartBuy)
Online spends6 pts/₹200 (0.75%)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Unlimited lounge access0.75% onlineFee waiver ₹10L
PROS
✅ Unlimited domestic + intl lounge
✅ Higher online rate
CONS
⚠️ ₹10K + GST fee
⚠️ Low reward rates overall
⚠️ Fuel/rent excluded
⚠️ 50K pts cap
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