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?

slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.

Which card has the lower income requirement?

slice credit card lists a minimum monthly income of ₹15,000.

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 SmartEarn Credit Card vs SBI Card against Fixed Deposit vs slice credit card

Honest side-by-side comparison of American Express SmartEarn Credit Card, SBI Card against Fixed Deposit, slice credit card — 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, slice credit card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹1,740/yr.

American Express SmartEarn Credit Card vs SBI Card against Fixed Deposit vs slice credit card comparison table
Feature	American Express SmartEarn Credit Card American Express	SBI Card against Fixed Deposit SBI Card	slice credit card Slice
Fees & eligibility
Annual fee	₹495	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹40,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹1,770/yr	₹3,510/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	—	—
Top reward rate	10X Membership Rewards	80% of FD value	Up to 1% cashback
Primary reward cap	₹500 eligible spend/mo	No monthly cap published	₹500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	Not stated	Rent · Wallet loads · EMI
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?: slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.
Which card has the lower income requirement?: slice credit card lists a minimum monthly income of ₹15,000.
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.

Card 1

American Express SmartEarn Credit Card

American Express

Card 2

SBI Card against Fixed Deposit

SBI Card

Card 3

slice credit card

Slice

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	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	SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹495	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹40,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹1,650/yr	₹1,770/yr	₹3,510/yr
Online shopping	5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit)	—	—
Top reward rate	10X Membership Rewards	80% of FD value	Up to 1% cashback
Primary reward cap	₹500 eligible spend/mo	No monthly cap published	₹500 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	Fuel · Insurance · Utilities · EMI · Rent	Not stated	Rent · Wallet loads · EMI
Bonuses
Signup bonus	—	—	—

American Express SmartEarn Credit Card details →SBI Card against Fixed Deposit details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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