KreditPe ACE Yes Bank Credit Card Review 2026: Benefits, Eligibility, Charges & Apply Online
Introduction
Getting a credit card in India is still difficult for many people because of a low CIBIL score or no credit history. This is where the KreditPe ACE Yes Bank Credit Card becomes very useful.
In this detailed KreditPe ACE Credit Card Review, we will cover:
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What is the KreditPe ACE Card?
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How it works
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Benefits & charges
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Eligibility
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Pros & Cons
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And whether you should apply or not.
What is the KreditPe ACE Yes Bank Credit Card?
KreditPe ACE Card is a secured credit card issued in partnership with Yes Bank. It is specially designed for:
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Beginners
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People with low or no CIBIL score
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People who want to rebuild their credit score
You need to create a fixed deposit (FD), and based on that FD, you get a credit limit.
How Does KreditPe ACE Card Work?
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You create an FD through the KreditPe app
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You get a credit limit equal to or near your FD amount
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You use the card like a normal credit card
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You pay bills on time
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Your CIBIL score improves automatically
Main Features of KreditPe ACE Card
✅ 1. Build Your Credit Score
This card is perfect if:
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Your CIBIL is low
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Or you don’t have any credit history
Regular on-time payments help improve your credit profile.
✅ 2. Visa Card – Accepted Everywhere
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Works on online websites
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Works in offline shops
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Works for bill payments & subscriptions
✅ 3. No Income Proof Required
You don’t need:
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Salary slip
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ITR
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Bank statement
Just create an FD and get the card.
✅ 4. App Control
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Track spending
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See bills
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Pay dues
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Manage card from the mobile app
Fees & Charges (Approximate)
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Joining Fee: Low / Sometimes free (offer-based)
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Annual Fee: Minimal
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Interest: As per Yes Bank rules
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Late Payment Charges: Applicable if the bill is not paid
(Exact charges are shown inside the app before applying.)
Pros of KreditPe ACE Card
✅ Approval even with low CIBIL
✅ No income proof needed
✅ Helps build a credit score
✅ Easy digital process
✅ Visa card – accepted everywhere
✅ Safe & backed by Yes Bank
Cons of KreditPe ACE Card
⚠️ You must create an FD first
⚠️ Credit limit depends on FD
⚠️ Not for high spenders
⚠️ Late payment charges apply
Who Should Apply for This Card?
This card is best for:
✔️ Students
✔️ First-time credit card users
✔️ People with low or no CIBIL
✔️ People who want to rebuild their credit score
✔️ People whose cards get rejected elsewhere
Is the KreditPe ACE Card Safe?
Yes. The card is:
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Issued by Yes Bank
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Regulated by RBI rules
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Uses proper banking security
So it is 100% legitimate and safe if you use it responsibly.
My Honest Opinion
If your:
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CIBIL is low
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Or you never had a credit card
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Or your applications get rejected
Then the KreditPe ACE Card is an excellent starting card.
It may not give rewards like premium cards, but it builds your financial future.
⭐ How to Apply for KreditPe ACE Yes Bank Credit Card?
You can apply directly from this link:
👉 Apply from here:
🔗 https://www.kredit.pe/invite/KPT7ANKX
Just open the link, download the app, and follow the steps.
🔥 FINAL
🚀 Want a credit card even with low CIBIL?
💳 Start building your credit score today!
👉 Apply now from here:
🔗 https://www.kredit.pe/invite/KPT7ANKX
Final Verdict
KreditPe ACE Yes Bank Credit Card is one of the best secured credit cards in India for beginners and low CIBIL users.
If you want to start or repair your credit journey, this is a smart choice.