Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs SBI BPCL Octane vs SBI SimplySAVE
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI BPCL Octane, SBI SimplySAVE — 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 BPCL Octane ranks first for estimated net annual value — ahead of SBI SimplySAVE by about ₹4,089/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI BPCL Octane SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹1,499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹5,481/yr |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 25X points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | 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) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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
SBI BPCL Octane
SBI Card
SBI SimplySAVE
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 | SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹1,499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹5,481/yr |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 25X points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | 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) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | ₹2,000 |
IndusInd Bank Avios Visa Infinite Credit Card details →SBI BPCL Octane details →SBI SimplySAVE details →
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