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YES Ace vs SBI Card Prime

Compare YES Ace vs SBI Card Prime across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

SBI Card Prime 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

SBI Card Prime

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.7
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
SBI Card Prime
Balanced value8.7

sbi / MASTERCARD

SBI Card Prime

Annual

₹2,999

Return

5%

Lounges

12

Forex

3.5%

Card summary
  • SBI Card Prime leans travel and lifestyle with ₹2,999 annual fee, 5% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • 12 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
SBI Card Prime
Fees
Annual fee
₹999
₹2,999
Joining fee
₹999
₹2,999
Rewards
Cashback rate
1%
1.25%
Reward rate
2.5%
5%
Travel
Forex markup
2.99%
3.5%
Domestic lounges
2
8
International lounges
0
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹4,00,000
₹9,00,000

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