Side-by-side · honest numbers
IndusInd Bank Crest Credit Card vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IndusInd Bank Crest Credit Card, SBI Card against Fixed Deposit, Standard Chartered Ultimate Credit Card — 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹1,990/yr.
| Feature | IndusInd Bank Crest Credit Card IndusInd Bank | SBI Card against Fixed Deposit SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹5,000 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | Not stated | ₹60,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,770/yr | ₹3,760/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 80% of FD value | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | EMI · Fuel · Rent |
| 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?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Crest Credit Card lists a minimum monthly income of ₹50,000.
- 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.
IndusInd Bank Crest Credit Card
IndusInd Bank
SBI Card against Fixed Deposit
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest 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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹5,000 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | Not stated | ₹60,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,770/yr | ₹3,760/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 80% of FD value | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/indusind-crest-vs-sbi-fd-secured-vs-sc-ultimateMore IndusInd Bank Crest Credit Card comparisons
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