RuPayco-branded

Kredit.Pe Yes Bank ACE Credit Card

Yes Bank

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Annual Fee

FREE

Cashback

Up to 5%

Lounge Visits

None

Min Income

₹6L/yr

Cashback Details

Category	Cashback Rate	Details
upi kredit pe	3%	3% cashback on all UPI merchant transactions via the Kredit.Pe app (no monthly cap)
upi kredit pe milestone	5%	5% cashback on UPI transactions after monthly UPI spend via Kredit.Pe crosses Rs 25,000
online shopping	8X	8 Yes Rewardz points per Rs 200 on online transactions (1% effective at Rs 0.25 per point)

Joining FeeFREE

Annual FeeFREE

1% fuel surcharge waiver on fuel transactions; fuel spend excluded from cashback and Yes Rewardz accrual

Min Annual Income₹6,00,000

Age21 - 60 years

EmploymentSalaried only

Lifetime free — zero joining fee, zero annual fee, no spend condition
3% cashback on all UPI merchant transactions via the Kredit.Pe app, with no monthly cap
5% cashback once monthly UPI spend via Kredit.Pe exceeds Rs 25,000 in a billing cycle
Rs 1,000 cashback credited to Kredit.Pe wallet on card activation
8 Yes Rewardz points per Rs 200 on online (non-UPI) transactions — 1% effective at Rs 0.25 per point
4 Yes Rewardz points per Rs 200 on offline transactions — 0.5% effective
Cashback redeemable within Kredit.Pe app for digital gold, shopping vouchers, bill payments, and mobile recharges
1% fuel surcharge waiver; fuel excluded from cashback and reward point accrual
Exclusions include rent payments, wallet loads, insurance premiums, and government-related transactions
Restricted to new Yes Bank credit card customers; existing Yes Bank cardholders not eligible