811 Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Milestone Cashback
Top rewards
Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline
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 / ₹200 spent; Other Retail Spends: 4 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 2 YES Rewardz Points / ₹200 spent
| Feature | 811 Credit Card | ACE Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | YES Bank |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | Kotak Reward Points | YES Rewardz Points |
| Best for | Online, Entry Level, Milestone Cashback | Online, Entry Level, Rewardz, Utility Bills |
| Top reward categories | Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline | Online Shopping: 8 YES Rewardz Points / ₹200 spent; Other Retail Spends: 4 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 2 YES Rewardz Points / ₹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 | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.07 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Education spends, E-wallet loading transactions, Fuel spends, Rent payments, Government spends, Insurance spends | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |