Side-by-side · honest numbers
HSBC Cashback Credit Card vs SBI Card against Fixed Deposit vs YES Bank Marquee Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, SBI Card against Fixed Deposit, YES Bank Marquee 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, 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 against Fixed Deposit SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹999 |
| Min income (monthly) | ₹40,000 | Not stated | ₹40,000 |
| Top reward rate | 10% | 80% of FD value | 4 RP/₹150 |
| Net annual value (moderate spend) | ₹7,941/yr | ₹1,770/yr | ₹204/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
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.
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 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 BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹999 |
| Min income | ₹40,000 | Not stated | ₹40,000 |
| Top reward rate | 10% | 80% of FD value | 4 RP/₹150 |
| Net value (moderate) | ₹7,941/yr | ₹1,770/yr | ₹204/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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