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?

YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.

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 vs YES Bank Marquee Credit Card

Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, SBI Card against Fixed Deposit, YES Bank Marquee 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 Card against Fixed Deposit ranks first for estimated net annual value — ahead of YES Bank Marquee Credit Card by about ₹1,566/yr.

IndusInd Bank Pinnacle Credit Card vs SBI Card against Fixed Deposit vs YES Bank Marquee Credit Card comparison table
Feature	IndusInd Bank Pinnacle Credit Card IndusInd Bank	SBI Card against Fixed Deposit SBI Card	YES Bank Marquee Credit Card YES Bank
Annual fee	₹10,000	₹0	₹999
Min income (monthly)	₹75,000	Not stated	₹40,000
Top reward rate	3X points/₹150	80% of FD value	4 RP/₹150
Net annual value (moderate spend)	-₹6,550/yr	₹1,770/yr	₹204/yr
Secured / FD-backed	No	Yes	No
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?: YES Bank Marquee Credit Card lists a minimum monthly income of ₹40,000.
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

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 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	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Annual fee	₹10,000	₹0	₹999
Min income	₹75,000	Not stated	₹40,000
Top reward rate	3X points/₹150	80% of FD value	4 RP/₹150
Net value (moderate)	-₹6,550/yr	₹1,770/yr	₹204/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

IndusInd Bank Pinnacle Credit Card details →SBI Card against Fixed Deposit details →YES Bank Marquee Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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