Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs IndusInd Bank Pinnacle Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, IndusInd Bank Pinnacle 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 Bank Pinnacle Credit Card by about ₹8,845/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹75,000/mo | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | -₹7,075/yr | ₹1,770/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5X Avios points | 3X points/₹150 | 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 | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 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?
- SBI Card against Fixed Deposit 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 Bank Avios Visa Infinite Credit Card lists a minimum monthly income of ₹75,000.
- 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 Bank Pinnacle 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 BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle 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 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹75,000/mo | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | -₹7,075/yr | ₹1,770/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5X Avios points | 3X points/₹150 | 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 | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 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 | — | — | — |
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https://cardhungry.com/in/en/compare/indusind-avios-vs-indusind-pinnacle-vs-sbi-fd-securedMore IndusInd Bank Avios Visa Infinite Credit Card comparisons
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