YES FIRST Business Credit Card VS Klick RuPay Credit Card VS YES ACE Credit Card VS YES Bank Anq Phi Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
Klick RuPay Credit Card
YES ACE Credit Card
YES Bank Anq Phi Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Low 1.75% foreign currency markup makes international business transactions highly cost-effective.
Extensive travel benefits include complimentary international and domestic lounge access for comfort.
Strong reward program provides accelerated points on key business spending categories like travel.
Valuable annual milestone benefits provide significant reward points for high-spending businesses.
Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.
Pros
Key benefits and features.
No joining or renewal fees make the Klick RuPay Credit Card highly economical.
Enjoy guaranteed cashback on every transaction made with the Klick RuPay Credit Card.
Benefit from a 1% fuel surcharge waiver, significantly reducing fuel expenses.
The Klick RuPay Credit Card is 100% virtual, offering instant access and secure digital payments.
Seamlessly make UPI payments directly from your Klick RuPay Credit Card for daily needs.
Pros
Key benefits and features.
Enjoy low joining and annual fees, making the YES ACE Credit Card an affordable choice.
Benefit from fee waivers by meeting spend thresholds, reducing your annual costs.
Earn a high reward rate of 8 points per ₹200 on all your online shopping spends.
Get purchase protection for mobile phones and electronics against accidental damage.
Pros
Key benefits and features.
No joining fee makes the YES Bank Anq Phi Credit Card a cost-effective option to acquire.
Enjoy 3 complimentary international airport lounge visits annually, enhancing travel experiences.
Generous reward structure with 24 points per ₹200 on key categories and no accumulation cap.
Annual fee waiver is achievable by spending ₹1.2 lakhs, making the card more affordable.
Provides a 1% fuel surcharge waiver, offering savings on regular fuel expenses.
Cons
Key drawbacks and limitations.
Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.
Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.
Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.
High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.
A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.
Cons
Key drawbacks and limitations.
The reward rate of 2 points per ₹200 on the Klick RuPay Credit Card is relatively low.
Klick RuPay Credit Card lacks premium benefits like lounge access or travel discounts.
A foreign currency markup of 3.5% on the Klick RuPay Credit Card is quite high.
The Klick RuPay Credit Card does not offer any specific welcome or milestone benefits.
Cons
Key drawbacks and limitations.
The YES ACE Credit Card does not offer any complimentary domestic or international lounge access.
Movie enthusiasts will find no specific discounts or benefits with this credit card.
A redemption fee of ₹100 is charged for every request to redeem your reward points.
Online shopping rewards are capped at 5,000 points per statement cycle, limiting high spenders.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.40% makes international spending less attractive with this card.
Lacks specific dining, movie, golf, or insurance benefits beyond general reward point earnings.
Reward points are not earned on essential transactions like fuel, utilities, and government services.
Existing YES Bank credit cardholders are not eligible to apply for the Anq Phi Credit Card.