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YES Premia vs SBI Cashback Card

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

Comparison cockpit

Futuristic side-by-side card intelligence

YES Premia leads on reward rate, while SBI Cashback Card has the lowest annual fee.

Card 1

YES Premia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.5

Card 2

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0
YES Premia Credit Card
Balanced value6.5

yes / VISA

YES Premia

Annual

₹1,999

Return

3.5%

Lounges

10

Forex

2.5%

Card summary
  • YES Premia leans travel and lifestyle with ₹1,999 annual fee, 3.5% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,999 annual fee.
  • 3.5% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 2.5% 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
SBI Cashback Card
Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% 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

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
YES Premia
SBI Cashback Card
Fees
Annual fee
₹1,999
₹999
Joining fee
₹1,999
₹999
Rewards
Cashback rate
1%
5%
Reward rate
3.5%
1%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
6
0
International lounges
4
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹8,00,000
₹5,00,000

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