Side-by-side · honest numbers
Kotak Royale Signature Credit Card vs OneCard Metal Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of Kotak Royale Signature Credit Card, OneCard Metal Credit Card, YES ACE Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, YES ACE Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹491/yr.
| Feature | Kotak Royale Signature Credit Card Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹3,960/yr | ₹4,451/yr |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 2X reward points | 1% cashback | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | None | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | EMI · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal 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 ₹4,451/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
YES ACE Credit Card
YES Bank
Your adjusted comparison
| Feature | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹3,960/yr | ₹4,451/yr |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 2X reward points | 1% cashback | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | None | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | EMI · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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