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HDFC Bharat Cashback Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Bharat Cashback Credit Card

HDFC Bank

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

HDFC Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹3,670/yr₹1,440/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback80% of FD value
Primary reward cap₹250 rewards/mo capNo monthly cap published
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,910/yr combined NAV (₹240 vs best solo). Both annual fees apply.

HDFC Bharat Cashback Credit Card details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads SBI Card against Fixed Deposit by about ₹2,230/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Bharat Cashback Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureHDFC Bharat Cashback Credit Card

HDFC Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹3,670/yr₹1,440/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback80% of FD value
Primary reward cap₹250 rewards/mo capNo monthly cap published
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceNot stated
Bonuses
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?
HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
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.

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