Compare CRED IndusInd Bank RuPay and Paytm SBI Card on annual fees, joining fees, rewards, benefits and important limitations.
IndusInd Bank
5% in CRED Reward Points on eligible e-commerce/CRED transactions; 1% on other eligible purchases
Annual fee: ₹499 + GST
Joining fee: No fee
Network: RuPay
CRED IndusInd Bank RuPay is a paid card focused on shopping rewards, online spending and travel benefits, charging ₹499 annually before GST.
SBI Card
3% value back in points on eligible Paytm travel purchases; 1% on other eligible purchases
Annual fee: ₹499 + GST
Joining fee: ₹499 + GST
Network: Issuer-selected variant
Paytm SBI Card is a paid card focused on online spending, shopping rewards and travel benefits, charging ₹499 annually before GST.
Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.