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?

Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/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.

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

IndusInd Legend Credit Card vs IRCTC ICICI Bank Credit Card vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of IndusInd Legend Credit Card, IRCTC ICICI Bank Credit Card, 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 IRCTC ICICI Bank Credit Card by about ₹3,897/yr.

IndusInd Legend Credit Card vs IRCTC ICICI Bank Credit Card vs Standard Chartered Ultimate Credit Card comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	IRCTC ICICI Bank Credit Card ICICI Bank	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹0	₹0	₹5,000
Min income (monthly)	₹20,000	₹20,000	₹60,000
Top reward rate	1 reward point/₹100	10% reward points	5%
Net annual value (moderate spend)	₹834/yr	₹1,063/yr	₹4,960/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

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?: Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/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.
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	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	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank	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
Annual fee	₹0	₹0	₹5,000
Min income	₹20,000	₹20,000	₹60,000
Top reward rate	1 reward point/₹100	10% reward points	5%
Net value (moderate)	₹834/yr	₹1,063/yr	₹4,960/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

IndusInd Legend Credit Card details →IRCTC ICICI Bank Credit Card details →Standard Chartered Ultimate Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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