Which card has the lower annual fee?

ICICI Platinum Chip 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?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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

ICICI Platinum Chip vs IndusInd Bank Pinnacle Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of ICICI Platinum Chip, IndusInd Bank Pinnacle 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 ICICI Platinum Chip by about ₹1,912/yr.

ICICI Platinum Chip vs IndusInd Bank Pinnacle Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	ICICI Platinum Chip ICICI Bank	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹0	₹10,000	₹0
Min income (monthly)	₹18,000	₹75,000	Not stated
Top reward rate	1 RP/₹150	3X points/₹150	80% of FD value
Net annual value (moderate spend)	-₹142/yr	-₹6,550/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip 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?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank	IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle 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	₹0	₹10,000	₹0
Min income	₹18,000	₹75,000	Not stated
Top reward rate	1 RP/₹150	3X points/₹150	80% of FD value
Net value (moderate)	-₹142/yr	-₹6,550/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

ICICI Platinum Chip details →IndusInd Bank Pinnacle Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Platinum Chip comparisons