Yes Bank ACE Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, fuel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.25% base rate
• Insurance benefits: Purchase protection cover up to ₹50,000 for 6 months on mobiles/electronics bought via the card; credit shield cover of ₹1 lakh and lost card liability cover of ₹1.3 lakh

• 🛡️ Insurance

  Purchase protection cover up to ₹50,000 on mobiles/electronics bought via the card (6 months coverage)

• 🛍️ Shopping

  1% reward rate

• ⛽ Fuel

  1% fuel surcharge waiver on ₹500–₹3,000 transactions, capped at ₹125/statement cycle

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum monthly income: ₹20,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹50,000
• Foreign currency markup: 3.5%
• Interest rate: 47.88% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3,000 at all fuel stations in India, capped at ₹125 per month

• 4X reward points (8 pts/₹200) on online shopping; 2 pts/₹200 on other spends, redeemable via YES Rewardz
• 1% fuel surcharge waiver on ₹500–₹3,000 transactions, capped at ₹125/statement cycle
• Purchase protection cover up to ₹50,000 on mobiles/electronics bought via the card (6 months coverage)