Which card has the lower annual fee?

SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.

Which card has the lower income requirement?

American Express Gold Card lists a minimum monthly income of ₹60,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Gold Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of American Express Gold Card, SBI Card against Fixed Deposit — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

American Express Gold Card

American Express

Card 2

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	American Express Gold Card American Express	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹4,500	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹60,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹4,350/yr	₹1,440/yr
Dining & delivery	₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)	—
Top reward rate	4X Membership Rewards/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	Not stated
Bonuses
Signup bonus	₹4,000	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

American Express Gold Card details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads American Express Gold Card by about ₹5,790/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

American Express Gold Card vs SBI Card against Fixed Deposit comparison table
Feature	American Express Gold Card American Express	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹4,500	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹60,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹4,350/yr	₹1,440/yr
Dining & delivery	₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)	—
Top reward rate	4X Membership Rewards/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	Not stated
Bonuses
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
Which card has the lower income requirement?: American Express Gold Card lists a minimum monthly income of ₹60,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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