REF’s picks

Birmingham City are currently a much stronger and more stable side than Cardiff, who are hampered by a significant injury list and defensive suspensions. While Cardiff showed attacking flashes against Watford, their inconsistency and current squad depletion make it hard to back them against a high-flying Birmingham team that has been clinical and robust in recent weeks.

1. 1Birmingham's recent form is excellent, with four wins and a draw in their last five, including a tough win against West Brom.
2. 2Cardiff are missing key players like Gabriel Osho, Calum Chambers, and Rubin Colwill, leaving them exposed.
3. 3Birmingham's momentum is strong, but they must avoid complacency after their recent comfortable wins against lower-table opposition.

REF's own opinion, not a guarantee — nothing here is financial or betting advice, and the call is always yours.