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 Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.

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

SBI Cashback Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of SBI Cashback Credit Card, SBI Card against Fixed Deposit — 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 Cashback Credit Card leads SBI Card against Fixed Deposit by about ₹4,980/yr in estimated net value.

SBI Cashback Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	SBI Cashback Credit Card SBI Card	SBI Card against Fixed Deposit SBI Card
Annual fee	₹999	₹0
Min income (monthly)	₹25,000	Not stated
Top reward rate	5%	80% of FD value
Net annual value (moderate spend)	₹6,750/yr	₹1,770/yr
Secured / FD-backed	No	Yes
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 Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
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	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card	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
Annual fee	₹999	₹0
Min income	₹25,000	Not stated
Top reward rate	5%	80% of FD value
Net value (moderate)	₹6,750/yr	₹1,770/yr
Secured / no bureau	Standard	FD-backed
Signup bonus	—	—

SBI Cashback Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI Cashback Credit Card comparisons