Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs HSBC Cashback Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, HSBC Cashback Credit Card, IndusInd Bank Avios Visa Infinite Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of Axis Bank SELECT Credit Card by about ₹8,003/yr.
| Feature | Axis Bank SELECT Credit Card Axis Bank | HSBC Cashback Credit Card HSBC | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹999 | ₹10,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹50,000/mo | ₹40,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹7,941/yr | -₹8,536/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 10% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HSBC Cashback Credit Card lists a minimum monthly income of ₹40,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank SELECT Credit Card
Axis Bank
HSBC Cashback Credit Card
HSBC
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹999 | ₹10,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹50,000/mo | ₹40,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹7,941/yr | -₹8,536/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 10% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-select-vs-hsbc-cashback-vs-indusind-aviosMore Axis Bank SELECT Credit Card comparisons
- Axis Bank SELECT Credit Card vs 811 Dream Different Credit Card
- Axis Bank SELECT Credit Card vs AU Altura Credit Card
- Axis Bank SELECT Credit Card vs AU Zenith Credit Card
- Axis Bank SELECT Credit Card vs American Express Gold Card
- Axis Bank SELECT Credit Card vs American Express Platinum Travel Card
- Axis Bank SELECT Credit Card vs American Express SmartEarn Credit Card
- Axis Bank SELECT Credit Card vs Amex Membership Rewards CC
- Axis Bank SELECT Credit Card vs Axis Bank ACE Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Magnus Credit Card