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SBI SimplySAVE vs YES ACE Credit Card

Honest side-by-side comparison of SBI SimplySAVE, 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 SimplySAVE

SBI Card

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹18,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,751/yr₹3,401/yr
Groceries (offline)₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)—
Dining & delivery₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)—
Fuel₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate10 RP/₹1004% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
UPI rewardsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly capsNot supported (Visa/MC)
Key exclusionsEMI · Rent · WalletEMI · Rent
Bonuses
Signup bonus₹2,000—

Stack mode (hold both)

Cap-aware split: ~₹4,297/yr combined NAV (₹896 vs best solo). Both annual fees apply.

SBI SimplySAVE 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 SimplySAVE by about ₹650/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 SimplySAVE vs YES ACE Credit Card comparison table
FeatureSBI SimplySAVE

SBI Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹18,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,751/yr₹3,401/yr
Groceries (offline)₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)—
Dining & delivery₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)—
Fuel₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate10 RP/₹1004% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
UPI rewardsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly capsNot supported (Visa/MC)
Key exclusionsEMI · Rent · WalletEMI · 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?
YES ACE Credit Card leads with an estimated ₹3,401/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.

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