Side-by-side · honest numbers
IDFC FIRST Select Credit Card vs IndusInd Bank Pinnacle Credit Card vs SBI Card PRIME
Honest side-by-side comparison of IDFC FIRST Select Credit Card, IndusInd Bank Pinnacle Credit Card, SBI Card PRIME — 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, IDFC FIRST Select Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹569/yr.
| Feature | IDFC FIRST Select Credit Card IDFC FIRST Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹2,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹5,00,000/yr |
| Min income | ₹30,000/mo | ₹75,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,070/yr | -₹7,075/yr | ₹1,501/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 3X reward points | 3X points/₹150 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Select Credit Card leads with an estimated ₹2,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
- 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.
IDFC FIRST Select Credit Card
IDFC FIRST Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST 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 CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹2,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹5,00,000/yr |
| Min income | ₹30,000/mo | ₹75,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹2,070/yr | -₹7,075/yr | ₹1,501/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 3X reward points | 3X points/₹150 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/idfc-first-select-vs-indusind-pinnacle-vs-sbi-primeMore IDFC FIRST Select Credit Card comparisons
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