Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs HDFC Regalia Gold vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis Bank My Zone Credit Card, HDFC Regalia Gold, 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, HDFC Regalia Gold ranks first for estimated net annual value — ahead of Axis Bank My Zone Credit Card by about ₹1,586/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹500 | ₹2,500 | ₹0 |
| Min income (monthly) | ₹20,000 | ₹50,000 | Not stated |
| Top reward rate | 4% | 4 RP/₹150 | 80% of FD value |
| Net annual value (moderate spend) | ₹3,970/yr | ₹5,556/yr | ₹1,770/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹2,500 | — |
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?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank My Zone Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Your adjusted comparison
| Feature | Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone Credit Card Axis Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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 | ₹2,500 | ₹0 |
| Min income | ₹20,000 | ₹50,000 | Not stated |
| Top reward rate | 4% | 4 RP/₹150 | 80% of FD value |
| Net value (moderate) | ₹3,970/yr | ₹5,556/yr | ₹1,770/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹2,500 | — |
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