Which card has the lower annual fee?

SBI Card against Fixed Deposit 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?

IndusInd Bank Pinnacle Credit Card lists a minimum monthly income of ₹75,000.

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 SBI Card against Fixed Deposit

Honest side-by-side comparison of IndusInd Bank Pinnacle 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 leads IndusInd Bank Pinnacle Credit Card by about ₹8,320/yr in estimated net value.

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

Frequently asked questions

Which card has the lower annual fee?: SBI Card against Fixed Deposit 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?: IndusInd Bank Pinnacle Credit Card lists a minimum monthly income of ₹75,000.
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	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
Min income	₹75,000	Not stated
Top reward rate	3X points/₹150	80% of FD value
Net value (moderate)	-₹6,550/yr	₹1,770/yr
Secured / no bureau	Standard	FD-backed
Signup bonus	—	—

IndusInd Bank Pinnacle 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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