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 Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.

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 Millennia Credit Card vs HDFC Regalia Gold vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Millennia Credit Card, HDFC Regalia Gold, 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹3,274/yr.

HDFC Millennia Credit Card vs HDFC Regalia Gold vs SBI Card against Fixed Deposit comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	HDFC Regalia Gold HDFC Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹1,000	₹2,500	₹0
Min income (monthly)	₹35,000	₹50,000	Not stated
Top reward rate	5%	4 RP/₹150	80% of FD value
Net annual value (moderate spend)	₹8,830/yr	₹5,556/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹1,000	₹2,500	—

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?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Millennia Credit Card lists a minimum monthly income of ₹35,000.
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.

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Your adjusted comparison

Feature	HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank	HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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	₹1,000	₹2,500	₹0
Min income	₹35,000	₹50,000	Not stated
Top reward rate	5%	4 RP/₹150	80% of FD value
Net value (moderate)	₹8,830/yr	₹5,556/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹1,000	₹2,500	—

HDFC Millennia Credit Card details →HDFC Regalia Gold details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons