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
YES BANK Anq Phi Credit Card
Rs 499Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- 3 complimentary international lounge visits per calendar year
3.4%Forex markup
Best for
travel, dining, online, co-branded
Top rewards
Travel and hotels: 24 YES Rewardz Points / Rs 200 spent; Dining: 24 YES Rewardz Points / Rs 200 spent; Groceries and supermarkets: 24 YES Rewardz Points / Rs 200 spent
| Feature | YES BANK ACE Credit Card | YES BANK Anq Phi Credit Card |
|---|---|---|
| Issuer | YES Bank | YES Bank |
| Network | Visa, RuPay | Mastercard |
| Joining fee | Rs 499 | Rs 0 |
| Annual fee | Rs 499 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,20,000 |
| Reward type | YES Rewardz points | YES Rewardz points |
| Best for | online, entry level, rewardz, utility bills | travel, dining, online, co-branded |
| Top reward categories | 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 | Travel and hotels: 24 YES Rewardz Points / Rs 200 spent; Dining: 24 YES Rewardz Points / Rs 200 spent; Groceries and supermarkets: 24 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 3 |
| Forex markup | 3.5% | 3.4% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |