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YES Ace vs Kotak Royale Signature

Compare YES Ace vs Kotak Royale Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Kotak Royale Signature leads on reward rate, while YES Ace has the lowest annual fee.

Card 1

YES Ace

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

Card 2

Kotak Royale Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2
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
Kotak Royale Signature - KOTAK credit card
Balanced value5.2

kotak / MASTERCARD

Kotak Royale Signature

Annual

₹1,500

Return

3%

Lounges

6

Forex

3.5%

Card summary
  • Kotak Royale Signature leans travel and lifestyle with ₹1,500 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

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

Full card details
Metric
YES Ace
Kotak Royale Signature
Fees
Annual fee
₹999
₹1,500
Joining fee
₹999
₹1,500
Rewards
Cashback rate
1%
1%
Reward rate
2.5%
3%
Travel
Forex markup
2.99%
3.5%
Domestic lounges
2
4
International lounges
0
2
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹4,00,000
₹6,00,000

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