#1-₹3,818/yr
SBI Card ELITE
5X reward points · Travel & Miles
Best net value on this list — about -₹3,818/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹75,000/mo income · Unsecured
Travel & Miles·IndusInd Bank
For BA/Avios collectors and international flyers.
Age 21–60 · From ₹75,000/mo income · Unsecured
Key Benefits
All 9 benefits →Travel
5X Avios points
Other spends
2X Avios points
Lounge
Unlimited
Travel
5X
Avios points
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹10,852/yr after fees. Rewards alone turn positive around ₹3,85,857/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: IndusInd Avios T&Cs
Flights, hotels, zero forex options
Source: IndusInd Avios T&Cs
Travel
5X Avios points
Other spends
2X Avios points
Lounge access
Unlimited lounge access
Spend criteria: No minimum spend required for lounge access
Forex markup
2%
See worked examples of how points convert to cash value
travel — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹100.00
@ ₹0.30/point
all — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹40
@ ₹0.30/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.30/pt in calculations.
Based on moderate spend for this market
Est. net annual
-₹10,852
per year
Annual fee
₹11,800
per year
Effective return
-2.9%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹10,000 · Forex 2% — tap for full fees
Joining fee
Charged in first year
₹10,000
Annual / renewal fee
Charged every year unless waived
₹10,000
Forex markup
2%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹75,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,368/year. After the ₹10,000 annual fee, net value is approximately -₹10,852/year. Use the calculator above to model your own spends.
₹75,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
SBI Card ELITE
5X reward points · Travel & Miles
Best net value on this list — about -₹3,818/yr in your pocket after fees on typical spends.
American Express Platinum Travel Card
3X Membership Rewards/₹150 · Travel & Miles
Strong runner-up at -₹5,120/yr net — roughly ₹1,302 behind #1 on the same spend mix.
HSBC TravelOne Credit Card
4 points/₹100 · Travel & Miles
Worth a look — -₹5,239/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
