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 SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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 SBI SimplySAVE

Honest side-by-side comparison of IndusInd Legend Credit Card, SBI SimplySAVE — 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 SimplySAVE leads IndusInd Legend Credit Card by about ₹4,647/yr in estimated net value.

IndusInd Legend Credit Card vs SBI SimplySAVE comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	SBI SimplySAVE SBI Card
Annual fee	₹0	₹499
Min income (monthly)	₹20,000	₹18,000
Top reward rate	1 reward point/₹100	10 RP/₹100
Net annual value (moderate spend)	₹834/yr	₹5,481/yr
Secured / FD-backed	No	No
Signup bonus	—	₹2,000

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 SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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.

Card 1

Card 2

Card 3

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	SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Annual fee	₹0	₹499
Min income	₹20,000	₹18,000
Top reward rate	1 reward point/₹100	10 RP/₹100
Net value (moderate)	₹834/yr	₹5,481/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	₹2,000

IndusInd Legend Credit Card details →SBI SimplySAVE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Legend Credit Card comparisons