Side-by-side · honest numbers
American Express SmartEarn Credit Card vs slice credit card vs YES ACE Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, slice 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 slice credit card by about ₹941/yr.
| Feature | American Express SmartEarn Credit Card American Express | slice credit card Slice | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/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) | ₹1,650/yr | ₹3,510/yr | ₹4,451/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 10X Membership Rewards | Up to 1% cashback | 4% cashback |
| Primary reward cap | ₹500 eligible spend/mo | ₹500 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 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: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | Rent · Wallet loads · EMI | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice 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?
- slice 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.
American Express SmartEarn Credit Card
American Express
slice credit card
Slice
YES ACE Credit Card
YES Bank
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice | 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 | ₹495 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/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) | ₹1,650/yr | ₹3,510/yr | ₹4,451/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Top reward rate | 10X Membership Rewards | Up to 1% cashback | 4% cashback |
| Primary reward cap | ₹500 eligible spend/mo | ₹500 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 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: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | Rent · Wallet loads · EMI | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
American Express SmartEarn Credit Card details →slice credit card details →YES ACE Credit Card details →
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-slice-credit-card-vs-yes-aceMore American Express SmartEarn Credit Card comparisons
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