Lifetime Free Credit Card | YES Bank ACE Credit Card Full Review 2025 | KreditPe

₹0 Annual Fee में इतना फायदा? | YES Bank ACE Credit Card Full Review 2025 | KreditPe


#cpfinguru
Welcome to our YouTube Channel CP Finguru.


| Feature | Details |
| ------------------------ | ----------------------------------------------------- |
| 💰 Annual Fee | ₹0 (Lifetime Free) |
| 🏦 Issuing Bank | YES Bank (via KreditPe) |
| 🎯 Card Network | RuPay (NPCI) – UPI Enabled |
| 💳 Card Type | Virtual + Physical (on request) |
| 🎁 Welcome Benefits | ₹500 तक के Gift Cards / Coupons |
| 🔄 Cashback | 5% – Select merchants (Flipkart, Myntra, Swiggy etc.) |
| 🛒 Other Cashback | 1% – Other Online spends; 0.5% – Offline POS |
| 🧾 Bill Payment Cashback | Not applicable (most cases via UPI) |
| 📲 UPI Support | Yes, via RuPay Credit Card (PhonePe, Paytm, etc.) |

✅ Pros (फायदे)

Lifetime Free – कोई Annual या Joining Fee नहीं
5% assured cashback – Popular brands पर
RuPay UPI Enabled – Credit Card से भी UPI payments
Fast Online Application – पूरा प्रोसेस KreditPe App में 5 मिनट में
No Hidden Charges – Transparent terms (mostly)


❌ Cons (कमियाँ)

Limited Acceptability – RuPay अभी कुछ इंटरनेशनल साइट्स पर काम नहीं करता
No Lounge Access / Travel Perks
Cashback cap हो सकता है – ज़्यादा खर्च पर कम %
KreditPe App Mandatory – कार्ड मैनेजमेंट केवल ऐप से
Low Offline Cashback – सिर्फ़ 0.5% offline POS transactions पर




Disclaimer :- Copyright Disclaimer under Section 107 of the copyright act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

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   / cpfinguru