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SBI Card against Fixed Deposit vs slice credit card

Honest side-by-side comparison of SBI Card against Fixed Deposit, slice credit card — 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.

SBI Card against Fixed Deposit

SBI Card

slice credit card

Slice

Your adjusted comparison

Feature
SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

slice credit card

slice credit card

Slice

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹3,240/yr
Top reward rate80% of FD valueUp to 1% cashback
Primary reward capNo monthly cap published₹500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsNot statedRent · Wallet loads · EMI
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,270/yr combined NAV (₹30 vs best solo). Both annual fees apply.

SBI Card against Fixed Deposit details →slice credit card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, slice credit card leads SBI Card against Fixed Deposit by about ₹1,800/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

SBI Card against Fixed Deposit vs slice credit card comparison table
FeatureSBI Card against Fixed Deposit

SBI Card

slice credit card

Slice

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹1,440/yr₹3,240/yr
Top reward rate80% of FD valueUp to 1% cashback
Primary reward capNo monthly cap published₹500 rewards/mo cap
UPI rewardsNot supported (Visa/MC)Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsNot statedRent · Wallet loads · EMI
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?
slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.
Which card has the lower income requirement?
slice credit card lists a minimum monthly income of ₹15,000.
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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