Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, 811 Dream Different 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹6,560/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | 811 Dream Different Credit Card Kotak Mahindra 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 | ₹8,330/yr | ₹1,770/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 5% | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | 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) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- 811 Dream Different Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- 811 Dream Different Credit Card leads with an estimated ₹8,330/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- 811 Dream Different 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
811 Dream Different Credit Card
Kotak Mahindra 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 | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra 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 | ₹8,330/yr | ₹1,770/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 5% | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | 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) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/indusind-avios-vs-kotak-811-dream-vs-sbi-fd-securedMore IndusInd Bank Avios Visa Infinite Credit Card comparisons
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