Side-by-side · honest numbers
HSBC Cashback Credit Card vs SBI Card ELITE vs SBI Card against Fixed Deposit
Honest side-by-side comparison of HSBC Cashback Credit Card, SBI Card ELITE, 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 Cashback Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹6,171/yr.
| Feature | HSBC Cashback Credit Card HSBC | SBI Card ELITE SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹4,999 | Lifetime free |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | Lifetime free |
| Min income | ₹40,000/mo | ₹60,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | ₹1,701/yr | ₹1,770/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 10% | 5X reward points | 80% of FD value |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · 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 | Fuel · Rent · Wallet · EMI · Government | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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 Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HSBC Cashback Credit Card lists a minimum monthly income of ₹40,000.
- 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.
HSBC Cashback Credit Card
HSBC
SBI Card ELITE
SBI Card
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | 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 | ₹999 | ₹4,999 | Lifetime free |
| Fee waiver threshold | No waiver published | ₹10,00,000/yr | Lifetime free |
| Min income | ₹40,000/mo | ₹60,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | ₹1,701/yr | ₹1,770/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 10% | 5X reward points | 80% of FD value |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · 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 | Fuel · Rent · Wallet · EMI · Government | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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https://cardhungry.com/in/en/compare/hsbc-cashback-vs-sbi-elite-vs-sbi-fd-securedMore HSBC Cashback Credit Card comparisons
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