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?

RBL World Safari leads with an estimated ₹1,968/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.

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

HDFC 6E Rewards Credit Card vs RBL World Safari vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, RBL World Safari, 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, RBL World Safari ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹198/yr.

HDFC 6E Rewards Credit Card vs RBL World Safari vs SBI Card against Fixed Deposit comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	RBL World Safari RBL Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹500	₹3,000	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Lifetime free
Min income	₹25,000/mo	₹50,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹380/yr	₹1,968/yr	₹1,770/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	4 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Top reward rate	5X reward points	4X points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	₹3,000	—

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?: RBL World Safari leads with an estimated ₹1,968/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.
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

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

RBL World Safari

RBL Bank

Card 3

SBI Card against Fixed Deposit

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	RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL 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	₹500	₹3,000	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published	Lifetime free
Min income	₹25,000/mo	₹50,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹380/yr	₹1,968/yr	₹1,770/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	4 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Top reward rate	5X reward points	4X points	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	₹3,000	—

HDFC 6E Rewards Credit Card details →RBL World Safari 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 HDFC 6E Rewards Credit Card comparisons