Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs ICICI Sapphiro Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, ICICI Sapphiro 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹1,874/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,500 | ₹10,000 |
| Fee waiver threshold | Lifetime free | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹3,556/yr | -₹8,536/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% cashback | 4 RP/₹100 | 5X Avios points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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.
HDFC Bharat Cashback Credit Card
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | 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 | Lifetime free | ₹3,500 | ₹10,000 |
| Fee waiver threshold | Lifetime free | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹3,556/yr | -₹8,536/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% cashback | 4 RP/₹100 | 5X Avios points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-icici-sapphiro-vs-indusind-aviosMore HDFC Bharat Cashback Credit Card comparisons
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