CRED IndusInd Bank RuPay vs SBI Cashback Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.
| Feature |  CRED IndusInd Bank RuPay Credit CardIndusInd Bank5 recent changes → |  SBI Cashback Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewardssame | 1% base, up to 5% on online shopping | 1% base, up to 5% on online shopping | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shoppingsame | 5% | 5% | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1%; 1% only at CRED app | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1%; 1% only at CRED app | Earns nothing | |
| School and college fees | 1% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | RuPay | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | Free | ₹999 + GST | |
| Annual fee | ₹499 + GST | ₹999 + GST | |
| Fee waived at | - | ₹2,00,000 | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Min credit score | - | 650 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.95% | 3.75% | |
| Interest rate (annual) | 47.4% | 45% | |
| Redemption | |||
| Redemption fee | ₹100 | - | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹4,800
- Fee a year
- - ₹589
- You keep
- ₹4,211
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBI Cashback Credit Card comes out ₹589 a year ahead of CRED IndusInd Bank RuPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Online shopping: 5% back, up to ₹5,000 a month
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
Watch-Outs
- Skip it if you spend less than ₹5,000 a month: below that the ₹589 fee costs more than the rewards
- Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- Skip it if you rarely spend on online shopping: the 5% rate applies only there, everything else earns 1%
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (CRED IndusInd Bank RuPay Credit Card, SBI Cashback Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, CRED IndusInd Bank RuPay Credit Card or SBI Cashback Credit Card?
CRED IndusInd Bank RuPay Credit Card. CRED IndusInd Bank RuPay Credit Card: ₹499; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
CRED IndusInd Bank RuPay Credit Card has the lowest forex markup. CRED IndusInd Bank RuPay Credit Card: 3.5%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: CRED IndusInd Bank RuPay Credit Card 1%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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