CASHBACK SBI Card vs YES Wellness Credit Card
SBI Card · Yes Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
Yes BankScoreVery Good
Annual Fee₹1,499
Max Reward3%
Even Match: Both cards tie with an identical CardCheck Score of 70/100.
4-Pillar Head-to-Head Breakdown
CASHBACK vs YESReward Power
35%CASHBACK34/35
YES27/35
CASHBACK Wins
Fee Value & ROI
25%CASHBACK20/25
YES20/25
Tie (20/25)
Lounge & Travel
20%CASHBACK4/20
YES15/20
YES Wins
Forex & Access
20%CASHBACK12/20
YES8/20
CASHBACK Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 70
- 70
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 27/35
- Fee Value & ROI (25%)
- 20/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 15/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- SBI Card
- Yes Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Regular
- Best for
- Online cashback
- Health & wellness — 12X rewards on pharmacy, gym, yoga + lounge access
03—Fees
- Joining fee
- ₹999Best
- ₹1,499
- Annual fee
- ₹999Best
- ₹1,499
- Fee waiver
- ₹2,00,000
- ₹2,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%Best
- 0.5%
- Max rate
- 5%Best
- 3%
- Monthly cap
- ₹4,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 3Best
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹35,000
- Invite only
Rows won
04of 05
01of 05
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 70 | 70 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 27/35 |
| Fee Value & ROI (25%) | 20/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | Yes Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Regular |
| Best for | Online cashback | Health & wellness — 12X rewards on pharmacy, gym, yoga + lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹999Best | ₹1,499 |
| Annual fee | ₹999Best | ₹1,499 |
| Fee waiver | ₹2,00,000 | ₹2,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1%Best | 0.5% |
| Max rate | 5%Best | 3% |
| Monthly cap | ₹4,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 3Best |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹35,000 |
| Invite only | ||
| Rows won | 04of 05 | 01of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | CASHBACK SBI Card | YES Wellness Credit Card |
|---|---|---|
| CardCheck Score | 70/100Very Good | 70/100Very Good |
| Annual Fee | ₹999 | ₹1,499 |
| Fee Waiver Spend | ₹2L/yr | ₹2L/yr |
| Max Reward Potential | 5% | 3% |
| Domestic Lounge Access | None | 3 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose CASHBACK SBI Card if:
Your spending centers around online cashback and you want direct partner rewards with SBI Card.
Choose YES Wellness Credit Card if:
Your spending aligns with health & wellness — 12x rewards on pharmacy, gym, yoga + lounge access and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: CASHBACK SBI Card vs YES Wellness Credit Card
- Which is better: CASHBACK SBI Card or YES Wellness Credit Card?
- Both CASHBACK SBI Card and YES Wellness Credit Card tie with an identical CardCheck Score of 70/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer SBI Card's or Yes Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, YES Wellness Credit Card charges an annual fee of ₹1,499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between CASHBACK SBI Card and YES Wellness Credit Card?
- CASHBACK SBI Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, YES Wellness Credit Card offers a base rate of 0.5% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: CASHBACK SBI Card or YES Wellness Credit Card?
- CASHBACK SBI Card provides no complimentary airport lounge access. On the other hand, YES Wellness Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and DreamFolks lounge access.
- Which card is better for international foreign currency spends?
- CASHBACK SBI Card levies a foreign currency markup fee of 3.5%, while YES Wellness Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).