Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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

ICICI Platinum Chip vs SBI Card against Fixed Deposit

Honest side-by-side comparison of ICICI Platinum Chip, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Platinum Chip

ICICI Bank

Card 2

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	ICICI Platinum Chip ICICI Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹18,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹36/yr	₹1,440/yr
Top reward rate	1 RP/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	Not stated
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Platinum Chip details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads ICICI Platinum Chip by about ₹1,476/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Platinum Chip vs SBI Card against Fixed Deposit comparison table
Feature	ICICI Platinum Chip ICICI Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹18,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹36/yr	₹1,440/yr
Top reward rate	1 RP/₹150	80% of FD value
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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