SBI Card Elite Advantage Visa Signature Credit Card vs Yes Ace Credit Card: Which is Better in 2026?
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In short: Yes Ace has the lower annual fee (₹399 vs ₹4,999); SBI Elite Advantage has the lower forex markup (1.99% vs 2.75%).
| Key facts | SBI Elite Advantage | Yes Ace |
|---|---|---|
| Annual fee | ₹4,999 | ₹399 |
| Joining fee | Not listed | ₹399 |
| Annual fee waived | On ₹10 lakh annual spend | On ₹50,000 annual spend |
| Lounge access | 2 airport lounge visits a quarter | Not listed |
| Forex markup | 1.99% | 2.75% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Sbi Card Elite Advantage Visa Signature Credit Card and the Yes Ace Credit Card cater to different user priorities with distinct fee structures, rewards, and travel benefits. SBI's card offers premium travel perks including multiple complimentary airport lounge accesses and a Club Vistara Silver Tier membership, while Yes Ace focuses on flexible reward points with enhanced earnings on online and offline shopping. Fee waivers and forex charges also differ, influencing the effective cost for cardholders.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Sbi Card Elite Advantage Visa Signature Credit Card | Yes Ace Credit Card |
|---|---|---|
| Bank | SBI Cards | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | — | Joining Fee of Rs.399 |
| Annual / renewal fee | Annual Fee of Rs.4999 | Renewal Fee of Rs.399 |
| Annual fee waiver | Spend Rs.10 Lakhs For Waiver of Renewal Fee | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 Reward Points per Rs.100 | 2 Reward Points on Every Rs.200 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | Enjoy 6 Complimentary International Lounge Visits | — |
| Welcome benefit | Welcome E-Gift Voucher Rs.5000 | — |
| Milestone benefit | Earn 10000 Bonus Reward Points on Spend of Rs.3 Lakhs; Earn 10000 Bonus Reward Points on Spend of Rs.4 Lakhs | — |
| Foreign currency markup | 1.99% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Elite Advantage Visa Signature Credit Card provides a higher rewards rate with 2 reward points per Rs.100 spent and additional 5X points on departmental stores, grocery, and dining, plus Club Vistara points. It also offers substantial milestone bonuses that can significantly boost rewards for high spenders. In contrast, the Yes Ace Credit Card offers 2 reward points per Rs.200 spent, with better rates for online (8 points) and offline shopping (4 points), but lacks milestone bonuses. Overall, SBI's card is more rewarding for diverse and high-value spends, while Yes Ace benefits those focused on online and offline retail.
Which is better for travel?
Sbi Card Elite Advantage Visa Signature Credit Card stands out for travel benefits, offering 2 complimentary domestic airport lounge accesses per quarter and 6 international lounge visits annually. It also includes a complimentary Club Vistara Silver Tier membership, enhancing travel experience and perks. Yes Ace Credit Card does not provide any lounge access or travel-related memberships. Therefore, SBI's card is clearly superior for frequent travelers seeking premium airport and airline benefits.
Which has lower effective cost?
Yes Ace Credit Card is more affordable with a joining and renewal fee of Rs.399 each, waived on spending Rs.50,000 annually. The SBI card charges a much higher annual fee of Rs.4999, waived only on Rs.10 lakhs annual spend, making it suitable for high spenders who can justify the cost through rewards and perks. Forex markup is lower on SBI (1.99%) compared to Yes Ace (2.75%), which may reduce foreign transaction costs for SBI cardholders. Overall, Yes Ace is better for cost-conscious users or beginners, while SBI suits premium users with high spends.
Reward Redemption Flexibility
Yes Ace Credit Card allows redemption of reward points into Intermiles and Club Vistara points at a rate of 10 YES Rewardz Points per mile, offering travel-related redemption options. SBI Card Elite Advantage also earns Club Vistara points but the data does not specify redemption options, so users should check issuer details for exact redemption flexibility.
Fuel Surcharge Waiver
Both cards offer a 1% fuel surcharge waiver across all petrol pumps, which can provide small savings for regular fuel purchases. This benefit is straightforward with no complex conditions mentioned.
Who should pick Sbi Card Elite Advantage Visa Signature Credit Card?
Consider Sbi Card Elite Advantage Visa Signature Credit Card if you are a frequent traveler who values airport lounge access and airline membership perks. It is also suitable if you spend heavily across categories like groceries, dining, and departmental stores to maximize reward points and milestone bonuses. The higher fee is justified if you can meet the spend thresholds for fee waiver and rewards.
Who should pick Yes Ace Credit Card?
Consider Yes Ace Credit Card if you prefer a low-cost credit card with reasonable reward points on everyday offline and online shopping. It is ideal for beginners or moderate spenders who want to avoid high fees and do not require premium travel benefits. The simpler fee waiver and decent rewards on retail make it a practical choice for budget-conscious users.
Frequently Asked Questions
Sbi Card Elite Advantage Visa Signature Credit Card has an annual fee of Rs.4999, waived on spending Rs.10 lakhs annually. Yes Ace Credit Card charges Rs.399 for joining and renewal, waived on Rs.50,000 annual spend.
Sbi Card Elite Advantage Visa Signature Credit Card offers 2 complimentary domestic lounge visits per quarter and 6 international lounge visits annually. Yes Ace Credit Card does not provide any lounge access.
Sbi Card Elite Advantage Visa Signature Credit Card charges a forex markup of 1.99%, while Yes Ace Credit Card charges a higher 2.75% on foreign currency transactions.
Yes, the SBI card offers multiple milestone bonuses ranging from 10,000 to 15,000 bonus reward points on spends between Rs.3 lakhs and Rs.10 lakhs annually. Yes Ace Credit Card does not offer milestone rewards.
SBI card earns 2 reward points per Rs.100 spent, with 5X points on departmental stores, grocery, and dining. Yes Ace earns 2 points per Rs.200 spent, with 4 points offline and 8 points online per Rs.200.
Yes, both cards provide a 1% fuel surcharge waiver across all petrol pumps.