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 ₹1,770/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 vs YES Bank Marquee Credit Card

Honest side-by-side comparison of ICICI Platinum Chip, 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, SBI Card against Fixed Deposit ranks first for estimated net annual value — ahead of YES Bank Marquee Credit Card by about ₹1,566/yr.

ICICI Platinum Chip vs SBI Card against Fixed Deposit vs YES Bank Marquee Credit Card comparison table
Feature	ICICI Platinum Chip ICICI Bank	SBI Card against Fixed Deposit SBI Card	YES Bank Marquee Credit Card YES Bank
Annual fee	₹0	₹0	₹999
Min income (monthly)	₹18,000	Not stated	₹40,000
Top reward rate	1 RP/₹150	80% of FD value	4 RP/₹150
Net annual value (moderate spend)	-₹142/yr	₹1,770/yr	₹204/yr
Secured / FD-backed	No	Yes	No
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 ₹1,770/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

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

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Your adjusted comparison

Feature	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI 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 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	₹0	₹0	₹999
Min income	₹18,000	Not stated	₹40,000
Top reward rate	1 RP/₹150	80% of FD value	4 RP/₹150
Net value (moderate)	-₹142/yr	₹1,770/yr	₹204/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

ICICI Platinum Chip details →SBI Card against Fixed Deposit details →YES Bank Marquee Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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