Which card has the lower annual fee?

OneCard Metal 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?

OneCard Metal 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.

Side-by-side · honest numbers

OneCard Metal Credit Card vs slice credit card vs YES ACE Credit Card

Honest side-by-side comparison of OneCard Metal 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 OneCard Metal Credit Card by about ₹491/yr.

OneCard Metal Credit Card vs slice credit card vs YES ACE Credit Card comparison table
Feature	OneCard Metal Credit Card OneCard (BOB/FPL)	slice credit card Slice	YES ACE Credit Card YES Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	₹499
Fee waiver threshold	Lifetime free	Lifetime free	No waiver published
Min income	₹15,000/mo	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,960/yr	₹3,510/yr	₹4,451/yr
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Top reward rate	1% cashback	Up to 1% cashback	4% cashback
Primary reward cap	No monthly cap published	₹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	Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent	Rent · Wallet loads · EMI	EMI · Rent
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: OneCard Metal 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?: OneCard Metal 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.

Card 1

OneCard Metal Credit Card

OneCard (BOB/FPL)

Card 2

slice credit card

Slice

Card 3

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature	OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL)	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	Lifetime free	Lifetime free	₹499
Fee waiver threshold	Lifetime free	Lifetime free	No waiver published
Min income	₹15,000/mo	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,960/yr	₹3,510/yr	₹4,451/yr
Fuel	—	—	4% cashback → ₹160/mo (₹1,920/yr)
Top reward rate	1% cashback	Up to 1% cashback	4% cashback
Primary reward cap	No monthly cap published	₹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	Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent	Rent · Wallet loads · EMI	EMI · Rent
Bonuses
Signup bonus	—	—	—

OneCard Metal Credit Card details →slice credit card 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 OneCard Metal Credit Card comparisons