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?

Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Flipkart 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.

Side-by-side · honest numbers

Axis Bank Flipkart Credit Card vs HDFC Bank Infinia Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, HDFC Bank Infinia 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹4,190/yr.

Axis Bank Flipkart Credit Card vs HDFC Bank Infinia Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	Axis Bank Flipkart Credit Card Axis Bank	HDFC Bank Infinia Credit Card HDFC Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹500	₹12,500	₹0
Min income (monthly)	₹25,000	₹1,00,000	Not stated
Top reward rate	5%	5 RP/₹150	80% of FD value
Net annual value (moderate spend)	₹5,960/yr	-₹2,641/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹500	—	—

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?: Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Flipkart 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.

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Your adjusted comparison

Feature	Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank	HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia 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
Annual fee	₹500	₹12,500	₹0
Min income	₹25,000	₹1,00,000	Not stated
Top reward rate	5%	5 RP/₹150	80% of FD value
Net value (moderate)	₹5,960/yr	-₹2,641/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹500	—	—

Axis Bank Flipkart Credit Card details →HDFC Bank Infinia Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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