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 Regalia Gold leads with an estimated ₹5,556/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 Regalia Gold vs SBI Card against Fixed Deposit vs YES ACE Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, 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 Regalia Gold ranks first for estimated net annual value — ahead of YES ACE Credit Card by about ₹1,105/yr.

HDFC Regalia Gold vs SBI Card against Fixed Deposit vs YES ACE Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	SBI Card against Fixed Deposit SBI Card	YES ACE Credit Card YES Bank
Annual fee	₹2,500	₹0	₹499
Min income (monthly)	₹50,000	Not stated	₹25,000
Top reward rate	4 RP/₹150	80% of FD value	4% cashback
Net annual value (moderate spend)	₹5,556/yr	₹1,770/yr	₹4,451/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹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 Regalia Gold leads with an estimated ₹5,556/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.

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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	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	₹2,500	₹0	₹499
Min income	₹50,000	Not stated	₹25,000
Top reward rate	4 RP/₹150	80% of FD value	4% cashback
Net value (moderate)	₹5,556/yr	₹1,770/yr	₹4,451/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹2,500	—	—

HDFC Regalia Gold 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 Regalia Gold comparisons