Side-by-side · honest numbers
ICICI Bank Emeralde Private Metal Credit Card vs SBI SimplySAVE vs YES ACE Credit Card
Honest side-by-side comparison of ICICI Bank Emeralde Private Metal Credit Card, SBI SimplySAVE, 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, SBI SimplySAVE ranks first for estimated net annual value — ahead of YES ACE Credit Card by about ₹1,030/yr.
| Feature | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI SimplySAVE SBI Card | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,000 | ₹499 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹18,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹5,481/yr | ₹4,451/yr |
| Groceries (offline) | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) | — |
| Dining & delivery | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) | — |
| Fuel | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 10 RP/₹100 | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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.
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
SBI SimplySAVE
SBI Card
YES ACE Credit Card
YES Bank
Your adjusted comparison
| Feature | ICICI BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE 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 | ₹12,000 | ₹499 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹18,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,952/yr | ₹5,481/yr | ₹4,451/yr |
| Groceries (offline) | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) | — |
| Dining & delivery | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) | — |
| Fuel | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 4X reward points | 10 RP/₹100 | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
ICICI Bank Emeralde Private Metal Credit Card details →SBI SimplySAVE details →YES ACE Credit Card details →
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