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| Feature | IndusInd Bank IndusInd Bank Pinnacle World Credit Card | Standard Chartered India Standard Chartered Ultimate Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | Standard Chartered India |
| Network | Mastercard | Mastercard |
| Annual fee | ₹0 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 0.8% | 3.3% |
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 | 3.3% · Other eligible Ultimate points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Duty-free cashback: ₹1,000/statement cycle |
| 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 • 12 international airport lounge visits per year |
| Forex markup | 3.5% | 2% |
| 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-spend users who want broad rewards, frequent airport lounge access and a lower forex markup. |
| 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 ₹5,000 renewal fee has no spend waiver. Selected everyday categories earn 2%, fuel earns no points, and Priority Pass use in India or beyond the qualified monthly international visit is chargeable. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
