Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs IndusInd Legend Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, IndusInd Legend Credit Card, SBI Card against Fixed Deposit — 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 Card against Fixed Deposit ranks first for estimated net annual value — ahead of IndusInd Legend Credit Card by about ₹936/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd Legend Credit Card IndusInd Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹834/yr | ₹1,770/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 1 reward point/₹100 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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.
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
IndusInd Legend Credit Card
IndusInd Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | 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 | IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹834/yr | ₹1,770/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 1 reward point/₹100 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/indusind-avios-vs-indusind-legend-vs-sbi-fd-securedMore IndusInd Bank Avios Visa Infinite Credit Card comparisons
- IndusInd Bank Avios Visa Infinite Credit Card vs 811 Dream Different Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs AU Altura Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs AU Zenith Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express Gold Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express Platinum Travel Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express SmartEarn Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Amex Membership Rewards CC
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank ACE Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Atlas Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Flipkart Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Magnus Credit Card