Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs Kotak Urbane Gold Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, Kotak Urbane Gold 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 Kotak Urbane Gold Credit Card by about ₹1,630/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹30,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹140/yr | ₹1,770/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 3X reward points | 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?
- 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?
- Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
- 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
Kotak Urbane Gold 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 Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold 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 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹30,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹140/yr | ₹1,770/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 3X reward points | 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 | — | — | — |
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https://cardhungry.com/in/en/compare/indusind-avios-vs-kotak-urbane-vs-sbi-fd-securedMore IndusInd Bank Avios Visa Infinite Credit Card comparisons
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