Sbi Card Visa Pulse vs Yes Ace Credit Card: Which is Better in 2026?

Which is better for rewards?

Sbi Card Visa Pulse provides more lucrative rewards for lifestyle spends such as movies, dining, sports, and chemist purchases, earning 10 reward points per Rs.100 spent in these categories. It also offers a flat 2 reward points per Rs.100 on other spends. Yes Ace Credit Card, on the other hand, gives 8 reward points per Rs.200 on online shopping and fewer points on offline and retail spends. The Pulse card’s rewards are more focused on varied lifestyle categories, making it better for users who spend across these segments, while Yes Ace suits those prioritizing online shopping rewards.

Which is better for travel?

Sbi Card Visa Pulse clearly leads in travel-related benefits with 8 complimentary domestic airport lounge accesses and an international Priority Pass membership worth US $99. Yes Ace Credit Card does not offer any lounge access or direct travel benefits but allows reward points to be redeemed for airline miles with partners like Intermiles and Vistara. For frequent travelers seeking lounge access and premium travel perks, Sbi Card Visa Pulse is more advantageous, whereas Yes Ace may appeal to occasional travelers who prefer converting rewards into air miles.

Which has lower effective cost?

Yes Ace Credit Card has a significantly lower joining and renewal fee of Rs.399 each, with a waiver on joining fee after spending Rs.5000. In contrast, Sbi Card Visa Pulse has a higher annual fee of Rs.1499, which can be waived by spending Rs.2 lakhs annually. Forex markup is also lower on Yes Ace at 2.75% compared to 3.5% on Pulse. Overall, Yes Ace is more cost-effective for users with moderate spends or those sensitive to fees, while Pulse’s higher fee may be justified by its richer benefits if the user meets the waiver criteria.

Forex Charges

Yes Ace Credit Card offers a lower forex markup fee of 2.75% compared to 3.5% on Sbi Card Visa Pulse. This makes Yes Ace more economical for users who frequently make foreign currency transactions.

Reward Redemption Options

While Sbi Card Visa Pulse allows redemption of reward points against card outstanding at a rate of 4 points per Rs.1 with a Rs.99 redemption fee, Yes Ace offers the option to convert reward points into airline miles with partners like Intermiles and Vistara, providing flexibility for travel-focused users.

Who should pick Sbi Card Visa Pulse?

Consider Sbi Card Visa Pulse if you frequently spend on lifestyle categories like movies, dining, sports, and chemist purchases, and value premium travel benefits such as airport lounge access and Priority Pass membership. This card is suitable if you can meet the higher annual spend requirement to waive the renewal fee and want a welcome gift along with milestone rewards.

Who should pick Yes Ace Credit Card?

Consider Yes Ace Credit Card if you prefer a low-cost credit card with a modest joining and renewal fee, primarily shop online, and want to earn rewards that can be converted into airline miles. This card is a practical choice for beginners or those with moderate spends who want to avoid high fees and are less focused on travel lounge access.