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IndusInd Bank Pinnacle 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: 11 October 2026.

IndusInd Bank Pinnacle Credit Card versus SBI Cashback Credit Card compared
FeatureIndusInd Bank Pinnacle Credit CardIndusInd Bank Pinnacle Credit CardIndusInd Bank5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.88% on online shopping1% base, up to 5% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.88%5%
Dining and food delivery0.75%1%
Groceries0.75%1%
Travel: flights, hotels, trains1.13%1%
FuelsameEarns nothingEarns nothing
Bills and recharges0.53%Earns nothing
Rent0.75%Earns nothing
Insurance premiums0.53%Earns nothing
School and college fees0.53%Earns nothing
Wallet top-ups0.75%Earns nothing
Taxes and government payments0.53%Earns nothing
Spend abroad or in a foreign currency0.75%1%
Everything else0.75%1%
Card identity
Card typesameShoppingShopping
NetworkMastercardVisa
Card tierSuper premiumMid
Fees
Joining fee₹15,000 + GST₹999 + GST
Annual feeFree₹999 + GST
Fee waived at-₹2,00,000
Eligibility
Employment typesameBOTHBOTH
Min monthly salary₹83,333-
Min credit score-650
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits4-
International lounge visits4-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 150,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)3.83%3.75%
Interest rate (annual)45.96%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 neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
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Worth in Rupees at ₹20,000 a Month

IndusInd Bank Pinnacle Credit Card
Rewards a year
₹2,484
Fee a year
₹0
You keep
₹2,484
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, SBI Cashback Credit Card comes out ₹2,316 a year ahead of IndusInd Bank Pinnacle 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

IndusInd Bank Pinnacle Credit Card
  • Heavy online shoppers
  • Golfers
  • High earners with Rs 83,000+ monthly income
  • People who prefer a one-time fee
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

IndusInd Bank Pinnacle Credit Card
  • Rs 15,000 upfront cost
  • Domestic lounge visit needs Rs 1.5 lakh spend in the previous quarter
  • Reduced points on utilities, insurance, education and government payments, none on fuel
  • 3.5% forex markup
SBI Cashback Credit Card
  • 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 (IndusInd Bank Pinnacle 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, IndusInd Bank Pinnacle Credit Card or SBI Cashback Credit Card?

IndusInd Bank Pinnacle Credit Card. IndusInd Bank Pinnacle Credit Card: no annual fee; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IndusInd Bank Pinnacle Credit Card has the lowest forex markup. IndusInd Bank Pinnacle 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: SBI Cashback Credit Card 1%, IndusInd Bank Pinnacle Credit Card 0.75%. 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.

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