Side-by-side · honest numbers
HDFC Regalia Gold vs IndusInd Bank Tiger Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of HDFC Regalia Gold, IndusInd Bank Tiger 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, HDFC Regalia Gold ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹3,786/yr.
| Feature | HDFC Regalia Gold HDFC Bank | IndusInd Bank Tiger Credit Card IndusInd Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | -₹20/yr | ₹1,770/yr |
| Top reward rate | 4 RP/₹150 | 1 reward point/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | Not stated |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Tiger Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Tiger Credit Card lists a minimum monthly income of ₹20,000.
- 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.
HDFC Regalia Gold
HDFC Bank
IndusInd Bank Tiger Credit Card
IndusInd Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | 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 | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd 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 | ₹2,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | -₹20/yr | ₹1,770/yr |
| Top reward rate | 4 RP/₹150 | 1 reward point/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | Not stated |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-indusind-tiger-vs-sbi-fd-securedMore HDFC Regalia Gold comparisons
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