Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Swiggy HDFC Bank Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of American Express SmartEarn Credit Card, Swiggy HDFC Bank Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹10,380/yr.
| Feature | American Express SmartEarn Credit Card American Express | Swiggy HDFC Bank Credit Card HDFC Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹12,150/yr | ₹1,770/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Top reward rate | 10X Membership Rewards | 10% | 80% of FD value |
| Primary reward cap | ₹500 eligible spend/mo | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet loads | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express SmartEarn Credit Card lists a minimum monthly income of ₹25,000.
- 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
Change spend profile or swap cards — results update live below.
American Express SmartEarn Credit Card
American Express
Swiggy HDFC Bank Credit Card
HDFC Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹12,150/yr | ₹1,770/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Top reward rate | 10X Membership Rewards | 10% | 80% of FD value |
| Primary reward cap | ₹500 eligible spend/mo | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet loads | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-hdfc-swiggy-vs-sbi-fd-securedMore American Express SmartEarn Credit Card comparisons
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