Which card has the lower annual fee?

IRCTC ICICI Bank Credit Card 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?

IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.

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

IndusInd Bank Pinnacle Credit Card vs IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, IRCTC ICICI Bank 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 IRCTC ICICI Bank Credit Card by about ₹707/yr.

IndusInd Bank Pinnacle Credit Card vs IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	IRCTC ICICI Bank Credit Card ICICI Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹10,000	₹0	₹0
Min income (monthly)	₹75,000	₹20,000	Not stated
Top reward rate	3X points/₹150	10% reward points	80% of FD value
Net annual value (moderate spend)	-₹6,550/yr	₹1,063/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: IRCTC ICICI Bank Credit Card 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?: IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
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

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Your adjusted comparison

Feature	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	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	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	₹10,000	₹0	₹0
Min income	₹75,000	₹20,000	Not stated
Top reward rate	3X points/₹150	10% reward points	80% of FD value
Net value (moderate)	-₹6,550/yr	₹1,063/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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