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SBI Card against Fixed Deposit vs YES ACE Credit Card

Honest side-by-side comparison of SBI Card against Fixed Deposit, YES ACE Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI Card against Fixed Deposit

SBI Card

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate80% of FD value4% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,596/yr combined NAV (₹195 vs best solo). Both annual fees apply.

SBI Card against Fixed Deposit details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, YES ACE Credit Card leads SBI Card against Fixed Deposit by about ₹1,961/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

SBI Card against Fixed Deposit vs YES ACE Credit Card comparison table
FeatureSBI Card against Fixed Deposit

SBI Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate80% of FD value4% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNot statedEMI · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit 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 ₹3,401/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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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