Which card has the lower annual fee?

HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.

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

HDFC 6E Rewards Credit Card vs ICICI Sapphiro Credit Card vs SBI Card MILES

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, ICICI Sapphiro Credit Card, SBI Card MILES — 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 Sapphiro Credit Card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹266/yr.

HDFC 6E Rewards Credit Card vs ICICI Sapphiro Credit Card vs SBI Card MILES comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	ICICI Sapphiro Credit Card ICICI Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹500	₹3,500	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹75,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹3,556/yr	₹3,290/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	5X reward points	4 RP/₹100	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹4,000	₹2,000

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
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

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

ICICI Sapphiro Credit Card

ICICI Bank

Card 3

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank	ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹500	₹3,500	₹1,499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹75,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹3,556/yr	₹3,290/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	5X reward points	4 RP/₹100	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹4,000	₹2,000

HDFC 6E Rewards Credit Card details →ICICI Sapphiro Credit Card details →SBI Card MILES details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC 6E Rewards Credit Card comparisons