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?

HSBC Live+ Credit Card leads with an estimated ₹8,940/yr net annual value on moderate spend.

Which card has the lower income requirement?

HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.

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 HSBC Live+ Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Millennia Credit Card, HSBC Live+ 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, HSBC Live+ Credit Card ranks first for estimated net annual value — ahead of HDFC Millennia Credit Card by about ₹110/yr.

HDFC Millennia Credit Card vs HSBC Live+ Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	HSBC Live+ Credit Card HSBC	SBI Card against Fixed Deposit SBI Card
Annual fee	₹1,000	₹999	₹0
Min income (monthly)	₹35,000	₹30,000	Not stated
Top reward rate	5%	10%	80% of FD value
Net annual value (moderate spend)	₹8,830/yr	₹8,940/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹1,000	—	—

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?: HSBC Live+ Credit Card leads with an estimated ₹8,940/yr net annual value on moderate spend.
Which card has the lower income requirement?: HSBC Live+ Credit Card lists a minimum monthly income of ₹30,000.
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

Card 2

Card 3

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	HSBCGold HSBC Live+ Credit Card •••• •••• •••• 4242 Quick facts HSBC Live+ Credit Card Top reward10% Annual fee₹999 Min income₹30,000/mo Tap to flip back HSBC Live+ Credit Card HSBC	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	₹999	₹0
Min income	₹35,000	₹30,000	Not stated
Top reward rate	5%	10%	80% of FD value
Net value (moderate)	₹8,830/yr	₹8,940/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹1,000	—	—

HDFC Millennia Credit Card details →HSBC Live+ Credit Card 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