Side-by-side · honest numbers
SBI Card MILES vs SBI Card against Fixed Deposit
Honest side-by-side comparison of SBI Card MILES, 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
SBI Card MILES
SBI Card
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | SBI Card MILES SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹1,440/yr |
| Travel | ₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) | — |
| Top reward rate | Accelerated travel points | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI | Not stated |
| Bonuses | ||
| Signup bonus | ₹2,000 | — |
Stack mode (hold both)
Cap-aware split: ~₹1,830/yr combined NAV (₹390 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/sbi-card-miles-vs-sbi-fd-securedReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads SBI Card MILES by about ₹420/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
| Feature | SBI Card MILES SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹1,440/yr |
| Travel | ₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) | — |
| Top reward rate | Accelerated travel points | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Rent · Wallet · EMI | Not stated |
| Bonuses | ||
| Signup bonus | ₹2,000 | — |
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?
- 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?
- SBI Card MILES lists a minimum monthly income of ₹35,000.
- 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.
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