All Cards
visaclassiccredit
YES ACE Credit Card
Yes Bank
shoppingonline
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
4% points
Foreign Markup
2.75% of the transaction amount
Fee Waiver
Waiver of joining and renewal fee on the basis of the amount spent using the credit card.
Interest Rate
3.8% per month
Product Highlights
- 8 Reward Points on each spend of ₹200 for online shopping
- 4 Reward Points on each spend of ₹200 for offline shopping
- 2 Reward Points for each spend of ₹200 on select categories
Rewards
8 Reward Points on online spending of ₹200, 4 Reward Points on offline spending, and 2 Reward Points on select categories like rent, insurance, etc.
Redemption
The reward points can be redeemed against a variety of products and vouchers available on the website.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 8%(8 Reward Points on online spending) | No cap |
other | 4%(4 Reward Points on offline spending) | No cap |
utilities | 2%(2 Reward Points on select categories) | No cap |
Benefits & Features
1% fuel surcharge is waived off across all fuel stations in India.
Fees & Charges
Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverWaiver of joining and renewal fee on the basis of the amount spent using the credit card.
Foreign Markup2.75% of the transaction amount
Interest Rate3.8% per month
Cash Advance2.5% or ₹300 (whichever is higher)
Redemption Fee₹100 on every redemption request.
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹25,000
Min Income (Self-Employed)
₹7,50,000
Available Networks
visamastercardrupay
Pros & Cons
Pros
- Low joining fee of ₹499
- Waiver of joining and renewal fees on reaching milestone benefits
Cons
- No international or domestic lounge access is provided with this card
- You won’t get any movie benefits along with this card
Additional Info
Capped at 5,000 Reward Points each statement cycle.
Excluded Categories
fuelcash withdrawals