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IDFC FIRST Select Credit Card vs YES ACE Credit Card

Honest side-by-side comparison of IDFC FIRST Select Credit Card, YES ACE Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

IDFC FIRST Select Credit Card

IDFC FIRST Bank

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate3X reward points4% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentEMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,447/yr combined NAV (₹46 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, YES ACE Credit Card leads IDFC FIRST Select Credit Card by about ₹2,020/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IDFC FIRST Select Credit Card vs YES ACE Credit Card comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate3X reward points4% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentEMI · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
YES ACE Credit Card leads with an estimated ₹3,401/yr net annual value on moderate spend.
Which card has the lower income requirement?
YES ACE Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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