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 ₹1,701/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.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card ELITE leads IndusInd Bank Pinnacle Credit Card by about ₹8,776/yr in estimated net value.

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	₹10,000	₹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)	-₹7,075/yr	₹1,701/yr
Travel	3 pts per ₹150 spend → ₹75/mo (₹900/yr)	8 pts per ₹150 spend → ₹67/mo (₹800/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	Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier	8 complimentary domestic 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 ₹1,701/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

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

Card 1

IndusInd Bank Pinnacle Credit Card

IndusInd Bank

Card 2

SBI Card ELITE

SBI Card

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 Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹10,000	₹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)	-₹7,075/yr	₹1,701/yr
Travel	3 pts per ₹150 spend → ₹75/mo (₹900/yr)	8 pts per ₹150 spend → ₹67/mo (₹800/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	Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier	8 complimentary domestic 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

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

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Bank Pinnacle Credit Card comparisons