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
SELECT Credit Card
Rs 599Annual fee
Rs 1,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Domestic lounge access is subject to a spend threshold of ₹35,000 in the previous calendar quarter.
- Domestic lounge access requires ₹35,000 spend in the previous calendar quarter.
- Priority Pass or LoungeKey membership for primary cardmember
2.5%Forex markup
Best for
Online, Entry Premium, Lounge, Golf
Top rewards
Online Spends: 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 | ACE Credit Card | SELECT Credit Card |
|---|---|---|
| Issuer | YES Bank | YES Bank |
| Network | Visa, RuPay | Mastercard, Visa |
| Joining fee | Rs 499 | Rs 599 |
| Annual fee | Rs 499 | Rs 599 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | YES Rewardz Points | YES Rewardz Points |
| Best for | Online, Entry Level, Rewardz, Utility Bills | Online, Entry Premium, Lounge, Golf |
| Top reward categories | 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 | Online Spends: 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 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 2.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |