Find my best card →
faayda.com › compare › YES Ace vs Tata Neu Infinity SBI
Comparison · हिन्दी

YES Ace vs Tata Neu Infinity SBI

Both cards compared on real rupee returns for YES Ace vs Tata Neu Infinity SBI which better shopping credit card India. We ran the numbers so you can make the right call.

Last updated: September 2026 · Based on current card terms
YES
ACE
ASHOK KUMAR
VS
SBI
NEU INFINITY C
ASHOK KUMAR
Our verdict
Tata Neu Infinity SBI Card wins for most people
Card B wins decisively with ₹4,141 annual benefit versus Card A's ₹371, delivering 11x more value despite its higher fee. Card B's 1.5% base rate and Tata ecosystem bonuses far outpace Card A's modest tiered rewards for this spend pattern.
Side-by-side comparison
YES Bank ACE Credit Card Tata Neu Infinity SBI Card ✓
Annual benefit ₹371 ₹4,141
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months) ₹1,499 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25 5% NeuCoins on Tata Neu app and partner brands (Air India, Air India Express, BigBasket, Tata Cliq, Taj Hotels, Tata 1mg, Titan, Tanishq, Croma, Westside, Qmin), plus up to an additional 5% via NeuPass on select Tata Neu categories (up to 10% combined); 1.5% NeuCoins on all other spends including UPI on the RuPay variant; 1 NeuCoin = ₹1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 8 domestic visits/year (2 per quarter, on ₹75,000 previous-quarter spend) plus 4 international visits/year via Priority Pass with no spend requirement (sources disagree on the exact domestic count and threshold - one cites 4 visits/year at ₹50,000 instead)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 1.99%
Best for Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure Heavy Tata ecosystem shoppers wanting NeuCoins across Air India, BigBasket, Croma, Westside and Tanishq, with a genuinely strong 1.5% base rate elsewhere
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month net salary or ITR of ₹7.5L+ (salaried or self-employed); not eligible if you already hold a YES Bank credit card ₹50,000/month (inferred from the Tata Neu Infinity HDFC sibling card; not independently confirmed for this SBI version)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ (general YES Bank baseline, not confirmed specific to this card) 750+ (inferred from the Tata Neu Infinity HDFC sibling card)
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
YES Bank ACE Credit Card
Card A suits ultra-budget-conscious users prioritizing fee avoidance and minimal spends under ₹5,000 monthly. Its joining fee waiver makes it attractive for testing before committing to premium cards.
Tata Neu Infinity SBI Card
Card B excels for anyone regularly shopping at Tata partners (BigBasket, Croma, Air India, Tanishq) or spending ₹3+ lakhs annually to waive fees. Its 1.5% base rate rewards all everyday purchases generously.
Who should get which card
Get YES Bank ACE if you…
· Minimal annual spend (<₹60k) with easy fee waiver eligibility
· Prefer simple, transparent reward structure without ecosystem dependencies
· Want lowest possible entry barrier to premium card benefits
Get Tata Neu Infinity SBI Card if you…
· Regular Tata ecosystem shopper (BigBasket, Croma, Tanishq, Air India)
· Annual spend ₹3+ lakhs to easily waive ₹1,499 fee
· Value strong 1.5% base rate on all non-partner purchases
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Tata Neu Infinity SBI Card vs Tata Neu Infinity HDFC →Tata Neu Plus HDFC vs YES Bank ACE →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Grocery Shopping →
Frequently asked questions
Based on our analysis, Tata Neu Infinity SBI Card offers better annual returns for most spend profiles.
YES Bank ACE Credit Card has an annual fee of ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months). Tata Neu Infinity SBI Card has an annual fee of ₹1,499 + taxes (waived on ₹3,00,000/year spend).
YES Bank ACE Credit Card offers 8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25. Tata Neu Infinity SBI Card offers 5% NeuCoins on Tata Neu app and partner brands (Air India, Air India Express, BigBasket, Tata Cliq, Taj Hotels, Tata 1mg, Titan, Tanishq, Croma, Westside, Qmin), plus up to an additional 5% via NeuPass on select Tata Neu categories (up to 10% combined); 1.5% NeuCoins on all other spends including UPI on the RuPay variant; 1 NeuCoin = ₹1.
YES Bank ACE Credit Card lounge access: None. Tata Neu Infinity SBI Card lounge access: 8 domestic visits/year (2 per quarter, on ₹75,000 previous-quarter spend) plus 4 international visits/year via Priority Pass with no spend requirement (sources disagree on the exact domestic count and threshold - one cites 4 visits/year at ₹50,000 instead).
YES Bank ACE Credit Card charges 3.5% forex markup. Tata Neu Infinity SBI Card charges 1.99% forex markup.