CardHungry

Side-by-side · honest numbers

RBL Bank Icon Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of RBL Bank Icon Credit Card, 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.

RBL Bank Icon Credit Card

RBL Bank

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
RBL Bank Icon Credit Card

RBL Bank Icon Credit Card

RBL Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹5,000Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹5,780/yr₹1,440/yr
Travel₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)—
Top reward rate2X points/₹15080% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

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

RBL Bank Icon Credit Card details →SBI Card against Fixed Deposit details →

Share this comparison

https://cardhungry.com/in/en/compare/rbl-icon-vs-sbi-fd-secured

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads RBL Bank Icon Credit Card by about ₹7,220/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

RBL Bank Icon Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureRBL Bank Icon Credit Card

RBL Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹5,000Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹5,780/yr₹1,440/yr
Travel₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)—
Top reward rate2X points/₹15080% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessDomestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
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?
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?
RBL Bank Icon Credit Card lists a minimum monthly income of ₹50,000.
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.

More RBL Bank Icon Credit Card comparisons