Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, Kotak White Credit Card — 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, Kotak White Credit Card leads IndusInd Bank Avios Visa Infinite Credit Card by about ₹8,616/yr in estimated net value.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,536/yr | ₹80/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5X Avios points | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak White Credit Card has the lowest annual fee at ₹3,000.
- Which card earns more on moderate spend?
- Kotak White Credit Card leads with an estimated ₹80/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak White Credit Card lists a minimum monthly income of ₹50,000.
- 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.
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Kotak White Credit Card
Kotak Mahindra Bank
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 BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,536/yr | ₹80/yr |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5X Avios points | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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