Side-by-side · honest numbers
ICICI Platinum Chip vs IndusInd Bank Avios Visa Infinite Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of ICICI Platinum Chip, IndusInd Bank Avios Visa Infinite Credit Card, SBI SimplySAVE — 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, SBI SimplySAVE ranks first for estimated net annual value — ahead of ICICI Platinum Chip by about ₹5,623/yr.
| Feature | ICICI Platinum Chip ICICI Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹499 |
| Fee waiver threshold | Lifetime free | No waiver published | No waiver published |
| Min income | ₹18,000/mo | ₹75,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹142/yr | -₹8,536/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 1 RP/₹150 | 5X Avios points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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.
ICICI Platinum Chip
ICICI Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip 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 | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹499 |
| Fee waiver threshold | Lifetime free | No waiver published | No waiver published |
| Min income | ₹18,000/mo | ₹75,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹142/yr | -₹8,536/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 1 RP/₹150 | 5X Avios points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/icici-platinum-chip-vs-indusind-avios-vs-sbi-simplysaveMore ICICI Platinum Chip comparisons
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