Side-by-side · honest numbers
IndusInd Bank Crest Credit Card vs SBI SimplyCLICK vs YES ACE Credit Card
Honest side-by-side comparison of IndusInd Bank Crest Credit Card, SBI SimplyCLICK, 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 SBI SimplyCLICK by about ₹2,670/yr.
| Feature | IndusInd Bank Crest Credit Card IndusInd Bank | SBI SimplyCLICK SBI Card | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹499 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,781/yr | ₹4,451/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | — |
| Top reward rate | 2X reward points | 10X points | 4% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic 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: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- 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?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- 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.
IndusInd Bank Crest Credit Card
IndusInd Bank
SBI SimplyCLICK
SBI Card
YES ACE Credit Card
YES Bank
Your adjusted comparison
| Feature | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK 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 | ₹5,000 | ₹499 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,781/yr | ₹4,451/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | — |
| Top reward rate | 2X reward points | 10X points | 4% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic 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: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/indusind-crest-vs-sbi-simplyclick-vs-yes-aceMore IndusInd Bank Crest Credit Card comparisons
- IndusInd Bank Crest Credit Card vs 811 Dream Different Credit Card
- IndusInd Bank Crest Credit Card vs AU Altura Credit Card
- IndusInd Bank Crest Credit Card vs AU Zenith Credit Card
- IndusInd Bank Crest Credit Card vs American Express Gold Card
- IndusInd Bank Crest Credit Card vs American Express Platinum Travel Card
- IndusInd Bank Crest Credit Card vs American Express SmartEarn Credit Card
- IndusInd Bank Crest Credit Card vs Amex Membership Rewards CC
- IndusInd Bank Crest Credit Card vs Axis Bank ACE Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Atlas Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Flipkart Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Magnus Credit Card