American Express SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, entry level, shopping, amazon, zomato
Top rewards
partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends
YES BANK ACE Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
online, entry level, rewardz, utility bills
Top rewards
Online shopping: 8 YES Rewardz Points / Rs 200 spent; Other retail spends: 4 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 2 YES Rewardz Points / Rs 200 spent
| Feature | American Express SmartEarn Credit Card | YES BANK ACE Credit Card |
|---|---|---|
| Issuer | American Express | YES Bank |
| Network | American Express | Visa, RuPay |
| Joining fee | Rs 495 | Rs 499 |
| Annual fee | Rs 495 | Rs 499 |
| Fee waiver spend | Rs 40,000 | Rs 50,000 |
| Reward type | membership rewards | YES Rewardz points |
| Best for | online, entry level, shopping, amazon, zomato | online, entry level, rewardz, utility bills |
| Top reward categories | partner merchants: 10 Membership Rewards Points / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends | Online shopping: 8 YES Rewardz Points / Rs 200 spent; Other retail spends: 4 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 2 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Vouchers worth Rs 500 each on reaching spends of Rs 1.20 lakh, Rs 1.80 lakh, and Rs 2.40 lakh in a cardmembership year | Not listed |
| Redemption | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |