View source for Kredit.Pe Yes Bank Ace Credit Card

{{Infobox:credit-card-image
| Card Image = [[File:kreditpe-yes-bank-Credit-Card.png]]
| Card Name = Kredit.Pe Yes Bank Ace Credit Card
| Apply For This Card = https://www.kredit.pe/invite/x39
| Bank Name = Yes Bank, Kredit.Pe (Co-branded card)
| Category = Co-branded Cashback
| First Launched = September 4, 2024
| Card's Networks = RuPay
| Reward Rate = 2%
| Airmiles = No
}}

'''Launched on September 4, 2024''', the '''Kredit.Pe Yes Bank Ace Credit Card''' is the first unsecured credit card introduced by '''Kredit.Pe''', in partnership with '''Yes Bank'''. The card is designed primarily for '''everyday spending''', with special emphasis on '''UPI transactions via the RuPay network'''.

Kredit.Pe is a '''RBI-registered NBFC (Non-Banking Financial Company)''' offering innovative credit and rewards solutions via its mobile platform.

== Charges ==

==== '''Annual Fee''': '''Lifetime Free''' ====

* No joining or renewal charges apply.

== Welcome Benefits ==

* '''₹1000 Kredit.Pe Cashback''' on successful card activation and linking to '''Kredit.Pe UPI'''.

== Reward Program ==

=== '''A. Earning Reward Points''' ===
You earn '''two types of rewards''' with this card:

==== 1. Kredit.Pe Rewards ====

* '''2% Unlimited Cashback''' when you use the card for UPI payments via the Kredit.Pe app.

==== 2. Yes Bank Rewards ====
{| class="wikitable"
!Spend Category
!Reward Points
|-
|Online Shopping
|8 RP for every ₹200 spent
|-
|Offline Shopping
|4 RP for every ₹200 spent
|-
|Utilities, Insurance, Govt. Services
|2 RP for every ₹200 spent
|}

=== B. Redeeming Reward Points ===

==== 1. Kredit.Pe Cashback Redemption ====
Kredit.Pe cashback can be used to get '''instant discounts''' on top brands. Cashback cannot be withdrawn to a bank account.

'''Popular Redemption Categories''':
{| class="wikitable"
!Store Type
!Discount Using Cashback
!Examples
|-
|6% Store
|6%
|Amazon Pay, Flipkart, Tanishq
|-
|12% Store
|12%
|Swiggy, Zepto, Zomato, MMT, Uber, FirstCry, BookMyShow, etc.
|-
|24% Store
|24%
|Domino's, PVR, Amazon Prime, MMT Hotels, Giva
|-
|60% Store
|60%
|SonyLiv, OTTPlay
|-
|100% Store
|100%
|Swiggy One Subscription
|}

* '''Bill Payments''': Use cashback for utility bill payments (₹10 cashback redemption limit per each bill payment).
* '''Upcoming''': Kredit.Pe plans to introduce '''9% FD''', '''Digigold''', and more cashback usage options soon.

==== 2. Yes Bank Reward Points Redemption ====

* Redeem via '''YES Rewardz Portal''' for:
** '''Air Miles & Vouchers'''
** '''Conversion Rate''': 10 Reward Points = ₹1

== Other Benefits ==

* '''Fuel Surcharge Waiver''': 1% waiver on transactions between ₹400 to ₹5,000 at fuel stations.
* '''Foreign Currency Markup''': Discounted rate of '''2.75%''' on international spends.

== Eligibility Criteria ==
To apply for this card, applicants must meet the following criteria:

* Must be an '''Indian resident'''
* Minimum age: '''18 years'''
* Minimum '''CIBIL score''': '''720+'''
* Minimum '''monthly income''': '''₹25,000'''