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?

ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/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 ICICI Bank MakeMyTrip Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, ICICI Bank MakeMyTrip 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, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹2,130/yr.

Bajaj Finserv RBL Bank SuperCard vs ICICI Bank MakeMyTrip Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	ICICI Bank MakeMyTrip Credit Card ICICI Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹999	₹999	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹35,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹739/yr	₹3,900/yr	₹1,770/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	—
Travel	—	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	2X points/₹150	10X reward points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	₹1,500	—

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?: ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/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

Change spend profile or swap cards — results update live below.

Card 1

Bajaj Finserv RBL Bank SuperCard

RBL Bank

Card 2

ICICI Bank MakeMyTrip Credit Card

ICICI Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

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	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI 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	₹999	₹999	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹35,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹739/yr	₹3,900/yr	₹1,770/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	—
Travel	—	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	2X points/₹150	10X reward points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	₹1,500	—

Bajaj Finserv RBL Bank SuperCard details →ICICI Bank MakeMyTrip Credit Card details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv RBL Bank SuperCard comparisons