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 ₹1,770/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bajaj Finserv RBL Bank SuperCard 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

Bajaj Finserv RBL Bank SuperCard vs HDFC Diners Club Black Metal vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC Diners Club Black Metal, 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, SBI Card against Fixed Deposit ranks first for estimated net annual value — ahead of Bajaj Finserv RBL Bank SuperCard by about ₹2,509/yr.

Bajaj Finserv RBL Bank SuperCard vs HDFC Diners Club Black Metal vs SBI Card against Fixed Deposit comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	HDFC Diners Club Black Metal HDFC Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹999	₹10,000	₹0
Min income (monthly)	₹25,000	₹1,50,000	Not stated
Top reward rate	2X points/₹150	10X points	80% of FD value
Net annual value (moderate spend)	-₹739/yr	-₹5,617/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
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?: SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bajaj Finserv RBL Bank SuperCard 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

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Your adjusted comparison

Feature	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank	HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal 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	₹999	₹10,000	₹0
Min income	₹25,000	₹1,50,000	Not stated
Top reward rate	2X points/₹150	10X points	80% of FD value
Net value (moderate)	-₹739/yr	-₹5,617/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

Bajaj Finserv RBL Bank SuperCard details →HDFC Diners Club Black Metal 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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