Which card has the lower annual fee?

SBI Card ELITE has the lowest annual fee at ₹4,999.

Which card earns more on moderate spend?

SBI Card ELITE leads with an estimated -₹3,818/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card ELITE lists a minimum monthly income of ₹60,000.

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 Card ELITE

Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

IndusInd Bank Pinnacle Credit Card

IndusInd Bank

Card 2

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹14,999	₹4,999
Fee waiver threshold	No waiver published	₹10,00,000/yr
Min income	₹75,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹15,689/yr	-₹3,818/yr
Groceries (offline)	—	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹3,000 → 60 pts/mo × ₹0.75/pt = ₹45/mo (₹540/yr)	—
Top reward rate	3X points/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	1 domestic + 1 international lounge visit per quarter · Spend gate of ₹1.5L/quarter applies from Apr 2026 for complimentary lounge	6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	—	₹5,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

IndusInd Bank Pinnacle Credit Card details →SBI Card ELITE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card ELITE leads IndusInd Bank Pinnacle Credit Card by about ₹11,871/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IndusInd Bank Pinnacle Credit Card vs SBI Card ELITE comparison table
Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹14,999	₹4,999
Fee waiver threshold	No waiver published	₹10,00,000/yr
Min income	₹75,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹15,689/yr	-₹3,818/yr
Groceries (offline)	—	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹3,000 → 60 pts/mo × ₹0.75/pt = ₹45/mo (₹540/yr)	—
Top reward rate	3X points/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	1 domestic + 1 international lounge visit per quarter · Spend gate of ₹1.5L/quarter applies from Apr 2026 for complimentary lounge	6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	—	₹5,000

Frequently asked questions

Which card has the lower annual fee?: SBI Card ELITE has the lowest annual fee at ₹4,999.
Which card earns more on moderate spend?: SBI Card ELITE leads with an estimated -₹3,818/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card ELITE lists a minimum monthly income of ₹60,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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