Which card has the lower annual fee?

SBI Cashback Credit Card has the lowest annual fee at ₹999.

Which card earns more on moderate spend?

SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.

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 Bank Pinnacle Credit Card vs SBI BPCL Octane vs SBI Cashback Credit Card

Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, SBI BPCL Octane, SBI Cashback 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of SBI Cashback Credit Card by about ₹2,820/yr.

IndusInd Bank Pinnacle Credit Card vs SBI BPCL Octane vs SBI Cashback Credit Card comparison table
Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI BPCL Octane SBI Card	SBI Cashback Credit Card SBI Card
Annual fee	₹10,000	₹1,499	₹999
Min income (monthly)	₹75,000	₹30,000	₹25,000
Top reward rate	3X points/₹150	25X points	5%
Net annual value (moderate spend)	-₹6,550/yr	₹9,570/yr	₹6,750/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹6,000	—

Frequently asked questions

Which card has the lower annual fee?: SBI Cashback Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?: SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
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 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 BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card
Annual fee	₹10,000	₹1,499	₹999
Min income	₹75,000	₹30,000	₹25,000
Top reward rate	3X points/₹150	25X points	5%
Net value (moderate)	-₹6,550/yr	₹9,570/yr	₹6,750/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹6,000	—

IndusInd Bank Pinnacle Credit Card details →SBI BPCL Octane details →SBI Cashback Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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