Which card has the lower annual fee?

IndusInd Legend Credit Card 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 ₹1,770/yr net annual value on moderate spend.

Which card has the lower income requirement?

IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.

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

Amex Membership Rewards CC vs IndusInd Legend Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Amex Membership Rewards CC, IndusInd Legend 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 Card against Fixed Deposit ranks first for estimated net annual value — ahead of IndusInd Legend Credit Card by about ₹936/yr.

Amex Membership Rewards CC vs IndusInd Legend Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	Amex Membership Rewards CC American Express	IndusInd Legend Credit Card IndusInd Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹4,500	₹0	₹0
Min income (monthly)	₹60,000	₹20,000	Not stated
Top reward rate	2 RP/₹150	1 reward point/₹100	80% of FD value
Net annual value (moderate spend)	₹822/yr	₹834/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹4,000	—	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Legend Credit Card 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 ₹1,770/yr net annual value on moderate spend.
Which card has the lower income requirement?: IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
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	American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express	IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank	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	₹4,500	₹0	₹0
Min income	₹60,000	₹20,000	Not stated
Top reward rate	2 RP/₹150	1 reward point/₹100	80% of FD value
Net value (moderate)	₹822/yr	₹834/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹4,000	—	—

Amex Membership Rewards CC details →IndusInd Legend Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons