Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ 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.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC MoneyBack+ Credit Card
HDFC Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹130/yr | -₹10,852/yr |
| Online shopping | ₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached | — |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 10X points | 5X Avios points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-indusind-aviosReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC MoneyBack+ Credit Card leads IndusInd Bank Avios Visa Infinite Credit Card by about ₹10,982/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹130/yr | -₹10,852/yr |
| Online shopping | ₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached | — |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 10X points | 5X Avios points |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC MoneyBack+ Credit Card leads with an estimated ₹130/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC MoneyBack+ Credit Card comparisons
- HDFC MoneyBack+ Credit Card vs 811 Dream Different Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura+ Credit Card
- HDFC MoneyBack+ Credit Card vs AU LIT Credit Card
- HDFC MoneyBack+ Credit Card vs AU Zenith Credit Card
- HDFC MoneyBack+ Credit Card vs American Express Gold Card
- HDFC MoneyBack+ Credit Card vs American Express Platinum Travel Card
- HDFC MoneyBack+ Credit Card vs American Express SmartEarn Credit Card
- HDFC MoneyBack+ Credit Card vs Amex Membership Rewards CC
- HDFC MoneyBack+ Credit Card vs Axis Bank ACE Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Airtel Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Atlas Credit Card