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YES Ace vs HDFC MoneyBack+

Compare YES Ace vs HDFC MoneyBack+ across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

YES Ace leads on reward rate, while HDFC MoneyBack+ has the lowest annual fee.

Card 1

YES Ace

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.9

Card 2

HDFC MoneyBack+

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.4
YES Ace - YES credit card
Balanced value3.9

yes / VISA

YES Ace

Annual

₹999

Return

2.5%

Lounges

2

Forex

2.99%

Card summary
  • YES Ace leans reward-led with ₹999 annual fee, 2.5% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 2.99% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC MoneyBack+ - HDFC credit card
Balanced value4.4

hdfc / VISA

HDFC MoneyBack+

Annual

₹500

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • HDFC MoneyBack+ leans reward-led with ₹500 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
YES Ace
HDFC MoneyBack+
Fees
Annual fee
₹999
₹500
Joining fee
₹999
₹500
Rewards
Cashback rate
1%
2%
Reward rate
2.5%
2%
Travel
Forex markup
2.99%
3.5%
Domestic lounges
2
2
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹4,00,000
₹2,50,000

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