Compare Cards India - Apply Right Credit Card For You

Yes Bank RuPay Credit Card Apply Now	YES Prosperity Rewards Plus/ACE Credit Card Apply Now	First Citizen Citi Credit Card Apply Now
Joining Fee Nil	Joining Fee Rs. 399 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits NA	Welcome Benefits Rs. 500 Amazon Voucher on a Spend of Rs. 1000 Within 30 Days of Card Issuance	Welcome Benefits 3 Shoppers Stop vouchers worth Rs. 500 each, and 500 First Citizen Reward Points on your first transaction.
Rewards Rate 8 RPs per Rs. 200 on UPI transactions above Rs. 2000, 2 RPs per Rs. 200 on other online spends	Rewards Rate For Online Spends of Rs. 200, You Get 8 Reward Points and for Offline Spends you Would Get 4 RPs. Also, Earn 2 Reward Points on Select Categories	Rewards Rate 14 First Citizen Reward Points on every Rs. 200 spent at Shoppers Stop and 10 First Citizen Reward points on every Rs. 200 spent at Shoppers Stop on other brands and 2 First Citizen Reward Points on every other spend of Rs. 200.
Movie & Dining NA	Movie & Dining N/A	Movie & Dining Get up to a 20% discount on dining at various participating restaurants.
Reward Redemption Reward points earned can be redeemed against a host of choices at the Yes Rewardz portal	Reward Redemption The reward points can be redeemed against a variety of products and vouchers available on the website.	Reward Redemption The First Citizen points earned will be automatically transferred to the Shoppers stop, and you can redeem the points available at Shoppers Stop instantly. 1 First Citizen Point = Re. 0.60.
Travel NA	Travel N/A	Travel Up to 15% discount and cashback on flights through Makemytrip, booking.com, and many more.
Golf NA	Golf N/A	Golf N/A
Domestic Lounge NA	Domestic Lounge N/A	Domestic Lounge N/A
International Lounge NA	International Lounge N/A	International Lounge N/A
Insurance Benefits NA	Insurance Benefits Purchase Protection is Provided	Insurance Benefits N/A
Zero Liability Protection The cardholders is not liable for fraudulent spends made with the card in case of timely reporting to the bank about theft or loss of the credit card	Zero Liability Protection Zero liability of the cardholder against any inappropriate transaction that takes place if the card is lost or stolen and the same is reported to the bank within the prescribed time frame.	Zero Liability Protection You get zero liability protection in case of a lost/stolen card once you report your loss to the Citi Bank through their 24x7 helpline number.
Fees & Charges

Renewal Fee Nil	Renewal Fee Rs. 399 + GST	Renewal Fee Rs. 500 + GST
Spend Based Waiver NA	Spend Based Waiver Waiver of joining and renewal fee on the basis of the amount spent using the credit card.	Spend Based Waiver You can get the renewal fee waived off if you spend Rs. 30,000 or more in the previous year.
Rewards Redemption Fee Rs. 100 per redemption request	Rewards Redemption Fee Rs. 100 on every redemption request.	Rewards Redemption Fee Nil
Foreign Currency Markup 2.75% of the transaction amount	Foreign Currency Markup 2.75% of the transaction amount	Foreign Currency Markup 3.5% on all foreign currency spends
Interest Rates 3.8% per month or 45.6% per annum	Interest Rates 3.8% per month	Interest Rates 3.75% per month
Fuel Surcharge 1% fuel surcharge waiver on spends between Rs. 400 to Rs. 5000, with maximum benefit capped at Rs. 125 per statement cycle	Fuel Surcharge 1% fuel surcharge is waived off across all fuel stations in India.	Fuel Surcharge 1% fuel surcharge which is waived on Authorized IOCL Outlets
Cash Advance Charges NA	Cash Advance Charges 2.5% or Rs. 300 (whichever is higher)	Cash Advance Charges 2.5% of the transacted amount or Rs. 500 (whichever is higher)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

Yes Bank RuPay Credit Card

YES Prosperity Rewards Plus/ACE Credit Card

First Citizen Citi Credit Card

Rewards and Benefits

Fees & Charges

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