Share

IndusInd Bank Pinnacle vs SBI Flipkart 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 Flipkart Credit Card compared
FeatureIndusInd Bank Pinnacle Credit CardIndusInd Bank Pinnacle Credit CardIndusInd Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.88% on online shopping1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.88%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery0.75%1%
Groceries0.75%1%
Travel: flights, hotels, trains1.13%1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and recharges0.53%1%
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
NetworksameMastercardMastercard
Card tierSuper premiumMid
Fees
Joining fee₹15,000 + GST₹500 + GST
Annual feeFree₹500 + GST
Fee waived at-₹3,50,000
Eligibility
Employment typesameBOTHBOTH
Min monthly salary₹83,333-
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
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%-
Interest rate (annual)45.96%-
Redemption
Redemption fee₹100-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

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 Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, IndusInd Bank Pinnacle Credit Card comes out ₹674 a year ahead of SBI Flipkart 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 Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

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 Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (IndusInd Bank Pinnacle Credit Card, SBI Flipkart 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 Flipkart Credit Card?

IndusInd Bank Pinnacle Credit Card. IndusInd Bank Pinnacle Credit Card: no annual fee; SBI Flipkart Credit Card: ₹500. 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 Flipkart 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 Flipkart 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.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works