Which card has the lower annual fee?

YES ACE Credit Card has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.

Which card has the lower income requirement?

YES ACE Credit Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HSBC Cashback Credit Card vs SBI Card PRIME vs YES ACE Credit Card

Honest side-by-side comparison of HSBC Cashback Credit Card, SBI Card PRIME, 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of YES ACE Credit Card by about ₹3,490/yr.

HSBC Cashback Credit Card vs SBI Card PRIME vs YES ACE Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	SBI Card PRIME SBI Card	YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	₹999	₹2,999	₹499
Fee waiver threshold	No waiver published	₹5,00,000/yr	No waiver published
Min income	₹40,000/mo	₹45,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹1,501/yr	₹4,451/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	10%	4X reward points	4% cashback
Primary reward cap	₹1,000 eligible spend/mo	No monthly cap published	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count	Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Rent · Wallet · EMI	EMI · Rent
Bonuses
Signup bonus	—	₹3,000	—

Frequently asked questions

Which card has the lower annual fee?: YES ACE Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
Which card has the lower income requirement?: YES ACE Credit Card lists a minimum monthly income of ₹25,000.
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.

Card 1

HSBC Cashback Credit Card

HSBC

Card 2

SBI Card PRIME

SBI Card

Card 3

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card	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	₹999	₹2,999	₹499
Fee waiver threshold	No waiver published	₹5,00,000/yr	No waiver published
Min income	₹40,000/mo	₹45,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹1,501/yr	₹4,451/yr
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	—	—
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	10%	4X reward points	4% cashback
Primary reward cap	₹1,000 eligible spend/mo	No monthly cap published	₹1,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count	Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Rent · Wallet · EMI	EMI · Rent
Bonuses
Signup bonus	—	₹3,000	—

HSBC Cashback Credit Card details →SBI Card PRIME details →YES ACE Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons