Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

SBI Cashback Credit Card leads with an estimated ₹6,750/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 Bank Pinnacle Credit Card vs SBI Cashback Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, SBI Cashback 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 Cashback Credit Card ranks first for estimated net annual value — ahead of SBI SimplySAVE by about ₹1,269/yr.

IndusInd Bank Pinnacle Credit Card vs SBI Cashback Credit Card vs SBI SimplySAVE comparison table
Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI Cashback Credit Card SBI Card	SBI SimplySAVE SBI Card
Annual fee	₹10,000	₹999	₹499
Min income (monthly)	₹75,000	₹25,000	₹18,000
Top reward rate	3X points/₹150	5%	10 RP/₹100
Net annual value (moderate spend)	-₹6,550/yr	₹6,750/yr	₹5,481/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: SBI Cashback Credit Card leads with an estimated ₹6,750/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.

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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 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	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	₹10,000	₹999	₹499
Min income	₹75,000	₹25,000	₹18,000
Top reward rate	3X points/₹150	5%	10 RP/₹100
Net value (moderate)	-₹6,550/yr	₹6,750/yr	₹5,481/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	₹2,000

IndusInd Bank Pinnacle Credit Card details →SBI Cashback Credit Card details →SBI SimplySAVE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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