Quick Overview
Annual Fee
Free
Joining Fee
Free
Welcome Bonus
₹1,000 cashback joining bonus
Reward Type
Dual Rewards System
Cashback Rate
Upto 3% cashback on UPI
Credit Limit
₹3,00,000
Min. Income
₹6,00,000 annually
Age Requirement
21 years
Network
RuPay
Perks & Tradeoffs
Pros
- Lifetime Free - Zero joining fee, zero annual fee, no hidden charges
- 2% Unlimited Cashback on UPI - One of the highest UPI cashback rates in India
- ₹1,000 Joining Bonus - Generous welcome bonus on activation
- 3% Milestone Cashback on ₹25,000+ monthly UPI spends
- 25% cashback on international spends (limited period)
- 8 reward points per ₹200 on online shopping (4% reward rate)
- Fuel surcharge waiver of 1%
- No reward point cap on UPI transactions
Cons
- Existing YES Bank credit card holders cannot apply
- Only salaried individuals being approved currently
- RuPay network may have limited international acceptance
- No airport lounge access
About The Card
Hello folks, I hope you are saving a lot of money with our latest Credit card offers, Bill Payments Discounts, Refer and Earn offers and Free recharge tricks. We are back with one more Rewarding credit card from Yes Bank and I like this card for it’s UPI Benefits.
The YES Bank ACE Credit Card (formerly known as the YES Prosperity Rewards Plus Credit Card) is an entry-level rewards credit card designed to maximize your everyday spending. Whether you’re shopping online, dining out, or paying bills, this card helps you earn valuable reward points while enjoying exclusive lifestyle benefits.
The USP of this card is 2% Cashback on all UPI Transaction using Kredit.pe app. There is no limit on 2% Cashback . You will earn 8 YES Rewardz Points per ₹200 spent online shopping and 4 points on offline spent on offline shopping. This is a good card if you are looking for a Cashback credit cards.
You will get 3% Cashback when you sepnd ₹25,000 in a month plus Most important ₹1000 as Joining bonus when you link onKredit.pe UPI app. This means total of 5% Cashback each month. Similar to Kiwi Credit card which also offers 3% Cashback on UPI and Supermoney Card
It’s a Lifetime Free Credit Card with amazing UPI Cashback rewards which is upto 3%
Where You Can redeem the cashback
- Digital Gold Purchase
- Mobile recharges
- Bill payments
- Online Shopping Vouchers
Is the Cashback 100% Redeemable ?
Simple Answer NO, We want be honest with you, We recently find out, You can use upto 5% Cashback on their different products like Bill Payments, Recharge, Digital Gold and Vouchers, You can use upto 60% on some gift cards but not all.
How To Apply For Kredit.pe Yes Ace Credit Card
1. First of all Click on below link to Download Kredit.pe app from app store/ play store.
2. Now once you download the app. You can simply use your adhar linked mobile number to signup.
3. You will see, Offer for Kredit.pe Ace credit card with Lifetime Free Offer.
4. Now Click on Get Your Ace Credit Card.
5. Next step will ask you to put Basic details, Personal / Employement Details & EKYC Details
6. Once all the details are filled, your eligibility is checked.
7. Based on the eligibility you will get a credit limit assigned to you.
8. Once the card is approved. You will get ₹1000 Cashback on Kredit.pe account.
9. Bonus Tip : You can refer friends on Kredit.pe Credit card and earn ₹1500 per referral plus an Airpods 4 for free.
How To Get 3% Cashback on UPI Payments with Kredit.pe card
Kredit.pe will offer base cashback on 2% Cashback on UPI Payments with Kredit.pe app and additional 1% when you pay ₹25,000 payments that makes total cashback of 3%
Kredit.pe Ace Credit Card Refer & Earn
You can now Refer friends on Kredit.pe Ace card, You will get ₹1500 referral cashback for each friend who joins and gets a new card and claim joining bonus. You will get extra ₹2500 when you refer 5 friends too.
1. First of all click on Refer chip.
2. Now copy your referral link.
3. Share the link with friends
4. Ask them to complete onboarding process.
Eligibility Criteria
Age Requirements:
- Minimum: 21 years
- Maximum: 60 years
Income Requirements:
For Salaried Individuals:
- Minimum net monthly salary: ₹25,000
For Self-Employed Individuals:
- Minimum annual ITR: ₹7.5 lakhs or above
Best For
Everyday UPI Spends
Offline Spends
Rupay Network
Joining Bonus
Lifetime Free Credit Card
Reward Program
Dual Rewards System Rewards
Conversion Rate: 1 Point = 0.25 Rupee
Value:
0.25 Rupees per unit
Default Reward Rate
Upto 3% cashback on UPI
in Dual Rewards System
Welcome Bonus
₹1,000 cashback joining bonus
Frequently Asked Questions
What is the welcome bonus for Kredit.Pe YES Bank ACE Credit Card?
New cardholders receive ₹1,000 cashback credited directly to their Kredit.Pe account upon card activation. No minimum spend requirement - just activate the card and the bonus is yours.
How do I earn 2% UPI cashback?
Link your YES Bank ACE Credit Card to Kredit.Pe UPI in the app. Make UPI payments using your Kredit.Pe UPI ID, and you'll automatically earn 2% unlimited cashback on every transaction.
What is the 3% milestone cashback?
When your monthly UPI spends via Kredit.Pe exceed ₹25,000 in a calendar month, you earn an additional 1% cashback on top of the base 2% cashback, making it effectively 3% total cashback.
Can I withdraw the cashback to my bank account?
No, Kredit.Pe cashback cannot be withdrawn directly to a bank account. However, you can redeem it for substantial discounts on vouchers (6%-100% off), bill payments with ₹10 savings, or digital gold at 7% discount.
Can existing YES Bank credit card holders apply?
No, this card is exclusively for new YES Bank credit card customers. If you already hold any YES Bank credit card, you are not eligible to apply for the Kredit.Pe ACE variant.
Is this card really lifetime free?
Yes, absolutely. There is zero joining fee, zero annual fee, and no renewal charges ever. It's completely free for life with no hidden conditions or spending requirements to maintain the free status.
How do I redeem YES Bank reward points?
Visit the YES Rewardz portal, log in with your card details, and redeem points for gift vouchers, air miles (Club Vistara/InterMiles), merchandise, hotel bookings, or statement credit. 10 Reward Points = ₹1 value.
What is the 25% international cashback offer?
Limited period offer valid till 31st December 2025. Get 25% cashback on all international spends with maximum ₹1,500 per transaction and ₹15,000 total cap. Perfect for foreign travel or international online shopping.
Does this card have airport lounge access?
No, the Kredit.Pe YES Bank ACE Credit Card does not offer complimentary airport lounge access. It's positioned as a rewards and cashback card for everyday digital spending rather than a premium travel card.
What happens if I make UPI payments using regular bank UPI instead of Kredit.Pe UPI?
You will NOT earn the 2% UPI cashback. The cashback is only valid when you make UPI payments through your Kredit.Pe UPI ID. Regular bank UPI or other UPI apps don't qualify for this cashback.
How long does approval take?
Typical approval time is 7-10 working days. Once approved, the physical card is dispatched to your registered address within 5-7 days. Total timeline from application to receiving the card is approximately 2-3 weeks.
What is the credit limit I can expect?
Credit limit depends on your income, credit score, and repayment history. Typically ranges from ₹50,000 to ₹3,00,000. Higher credit scores (750+) and income generally result in higher limits.
Does Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI have any annual fee?
No, Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI has no annual fee. This makes it a cost-effective option for cardholders.
What welcome bonus do I get with Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI?
New Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI cardholders can earn ₹1,000 cashback joining bonus. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.
How does the Dual Rewards System system work with Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI?
Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI offers Dual Rewards System as rewards. The conversion rate is 1 Point = 0.25 Rupee. You can earn Upto 3% cashback on UPI on various categories.
What are the eligibility criteria for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI?
To be eligible for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI, you need a minimum income of ₹6,00,000 annually. Additional criteria may include age requirements, credit score, and employment status. Contact Yes Bank for complete eligibility details.
How long does it take to get Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI approved?
The typical processing time for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI is 7-10 working days. Processing times may vary based on document verification and credit assessment. You may receive instant approval for pre-approved applications.
How can I apply for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI?
You can apply for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI online through our secure application process. The application is quick and convenient, requiring basic personal and financial information. You can also visit any Yes Bank branch to apply in person.
Is Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI from Yes Bank a good choice?
Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI from Yes Bank offers excellent features including Dual Rewards System rewards, no annual fee, and comprehensive benefits. It's suitable for customers looking for high cashback rates with Yes Bank's trusted service.
Ready to Apply for Kredit.Pe Yes Ace Credit Card – Get ₹1000 Cashback as Joining Bonus + Unlimited 3% Cashback on UPI?
Join thousands of satisfied customers and start earning rewards today. Apply online in just 5 minutes!
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