Kotak 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
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 | Kotak 811 Credit Card | YES BANK 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 / 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 | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.07 per point | Statement credit: upto Rs 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 |