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?

YES ACE 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 Millennia Credit Card vs SBI Card against Fixed Deposit vs YES ACE Credit Card

Honest side-by-side comparison of HDFC Millennia Credit Card, SBI Card against Fixed Deposit, YES ACE Credit Card — 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 YES ACE Credit Card by about ₹4,379/yr.

HDFC Millennia Credit Card vs SBI Card against Fixed Deposit vs YES ACE Credit Card comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	SBI Card against Fixed Deposit SBI Card	YES ACE Credit Card YES Bank
Annual fee	₹1,000	₹0	₹499
Min income (monthly)	₹35,000	Not stated	₹25,000
Top reward rate	5%	80% of FD value	4% cashback
Net annual value (moderate spend)	₹8,830/yr	₹1,770/yr	₹4,451/yr
Secured / FD-backed	No	Yes	No
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?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: YES ACE 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

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	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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Annual fee	₹1,000	₹0	₹499
Min income	₹35,000	Not stated	₹25,000
Top reward rate	5%	80% of FD value	4% cashback
Net value (moderate)	₹8,830/yr	₹1,770/yr	₹4,451/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹1,000	—	—

HDFC Millennia Credit Card details →SBI Card against Fixed Deposit details →YES ACE Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons