ACE Credit Card vs YES Wellness Credit Card
Axis Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
Yes BankScoreVery Good
Annual Fee₹1,499
Max Reward3%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+9 pts over YES Wellness Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs YESReward Power
35%ACE34/35
YES27/35
ACE Wins
Fee Value & ROI
25%ACE22/25
YES20/25
ACE Wins
Lounge & Travel
20%ACE11/20
YES15/20
YES Wins
Forex & Access
20%ACE12/20
YES8/20
ACE Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 70
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 27/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 15/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- Yes Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Regular
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Health & wellness — 12X rewards on pharmacy, gym, yoga + lounge access
03—Fees
- Joining fee
- ₹499Best
- ₹1,499
- Annual fee
- ₹499Best
- ₹1,499
- Fee waiver
- ₹2,00,000
- ₹2,00,000
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%Best
- 0.5%
- Max rate
- 5%Best
- 3%
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 3Best
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹15,000
- ₹35,000
- Min CIBIL
- 750
- 700Best
- Invite only
Rows won
05of 09
04of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 70 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 27/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Yes Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Regular |
| Best for | Cashback on utility bills via Google Pay and daily spending | Health & wellness — 12X rewards on pharmacy, gym, yoga + lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹1,499 |
| Annual fee | ₹499Best | ₹1,499 |
| Fee waiver | ₹2,00,000 | ₹2,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5%Best | 0.5% |
| Max rate | 5%Best | 3% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 3Best |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹15,000 | ₹35,000 |
| Min CIBIL | 750 | 700Best |
| Invite only | ||
| Rows won | 05of 09 | 04of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | YES Wellness Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 70/100Very Good |
| Annual Fee | ₹499 | ₹1,499 |
| Fee Waiver Spend | ₹2L/yr | ₹2L/yr |
| Max Reward Potential | 5% | 3% |
| Domestic Lounge Access | 1 / quarter | 3 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose YES Wellness Credit Card if:
Your spending aligns with health & wellness — 12x rewards on pharmacy, gym, yoga + lounge access and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs YES Wellness Credit Card
- Which is better: ACE Credit Card or YES Wellness Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 70/100 (Very Good) for YES Wellness Credit Card (a lead of +9 points). ACE Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, YES Wellness Credit Card charges an annual fee of ₹1,499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and YES Wellness Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, YES Wellness Credit Card offers a base rate of 0.5% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or YES Wellness Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, YES Wellness Credit Card provides 3 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while YES Wellness Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).