Other Banks · YES Bank
Kredit.Pe YES Bank ACE Credit Card
Uncapped cashback on UPI via the Kredit.Pe app
Joining fee₹0
Annual feeLifetime free
NetworkRuPay
Forex markup3.5%
LoungeNone
Best forEveryday spends
Details checked October 2026
01Rewards
| UPI merchant payments via Kredit.Pe | 2–3% cashback (rate shown in the app; higher tier on larger monthly UPI spend) |
| Online (non-UPI) | ~1% as YES Rewardz points |
| Offline | ~0.5% |
Redemption: Cashback credited to the Kredit.Pe wallet.
02Fees, benefits & charges
- Fee waiver
- Lifetime free
- Welcome benefit
- ₹1,000 cashback on activation
- Airport lounges
- No lounge access
- Forex markup
- 3.5%
- Fuel
- No rewards on fuel
- No rewards on
- Fuel
03Highlights & watch-outs
Highlights
- One of the highest UPI cashback rates
- Lifetime free
Watch out for
- Salaried applicants only (₹6 lakh+ income)
- Rate depends on paying through the Kredit.Pe app
Suits: Heavy UPI users with a salaried income.
04FAQs
What is the annual fee of the Kredit.Pe YES Bank ACE Credit Card?
The Kredit.Pe YES Bank ACE Credit Card is lifetime free — there is no joining or annual fee.
Does the Kredit.Pe YES Bank ACE Credit Card offer airport lounge access?
No lounge access
What is the forex markup on the Kredit.Pe YES Bank ACE Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Kredit.Pe YES Bank ACE Credit Card?
Fuel.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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