Side-by-side · honest numbers
HSBC Cashback Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, IndusInd Bank Avios Visa Infinite Credit Card, IRCTC ICICI Bank 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 IRCTC ICICI Bank Credit Card by about ₹7,061/yr.
| Feature | HSBC Cashback Credit Card HSBC | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹40,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | -₹8,536/yr | ₹880/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 10% | 5X Avios points | 10% reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| 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 |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- IRCTC ICICI Bank 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.
Customize your spend
Change spend profile or swap cards — results update live below.
HSBC Cashback Credit Card
HSBC
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
Your adjusted comparison
| Feature | 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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹40,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | -₹8,536/yr | ₹880/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 10% | 5X Avios points | 10% reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| 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 |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hsbc-cashback-vs-indusind-avios-vs-irctc-iciciMore HSBC Cashback Credit Card comparisons
- HSBC Cashback Credit Card vs 811 Dream Different Credit Card
- HSBC Cashback Credit Card vs AU Altura Credit Card
- HSBC Cashback Credit Card vs AU Zenith Credit Card
- HSBC Cashback Credit Card vs American Express Gold Card
- HSBC Cashback Credit Card vs American Express Platinum Travel Card
- HSBC Cashback Credit Card vs American Express SmartEarn Credit Card
- HSBC Cashback Credit Card vs Amex Membership Rewards CC
- HSBC Cashback Credit Card vs Axis Bank ACE Credit Card
- HSBC Cashback Credit Card vs Axis Bank Airtel Credit Card
- HSBC Cashback Credit Card vs Axis Bank Atlas Credit Card
- HSBC Cashback Credit Card vs Axis Bank Flipkart Credit Card
- HSBC Cashback Credit Card vs Axis Bank Magnus Credit Card