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| Feature | IndusInd Bank IndusInd Bank Pinnacle World Credit Card | SBI Card AURUM Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | SBI Card |
| Network | Mastercard | Visa |
| Annual fee | ₹0 + GST per year | ₹9,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹12,00,000 annual spending |
| Base reward rate | 0.8% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 1.9% · Eligible ecommerce rewards | 1% · Eligible AURUM Reward Points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year | 16 domestic airport lounge visits per year • Unlimited international airport lounge visits |
| Forex markup | 3.5% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | High-spend ecommerce users who value Priority Pass and premium lifestyle privileges. | High-income frequent travellers who can use premium privileges every month and clear the fee waiver. |
| Main trade-off | The ₹15,000 joining fee has no guaranteed cash-valued welcome offset. Domestic lounge access requires ₹1.5 lakh spend in the preceding quarter, rent points are capped, and fuel earns no points. | The ₹9,999 fee plus GST is waived only at ₹12 lakh annual spend. Rent, wallet, fuel, EMI and digital-gaming transactions earn no points, and lifestyle privileges are not added to ranking unless usage can be proven. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
