Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs SBI BPCL Octane vs Standard Chartered Smart Card
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI BPCL Octane, Standard Chartered Smart 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹5,839/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI BPCL Octane SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| 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 | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | — |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | — |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 25X points | 2% cashback |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card 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 BPCL Octane lists a minimum monthly income of ₹30,000.
- 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
Standard Chartered Smart Card
Standard Chartered
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 | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| 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 | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | — |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | — |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 5X Avios points | 25X points | 2% cashback |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/indusind-avios-vs-sbi-bpcl-octane-vs-sc-smartMore IndusInd Bank Avios Visa Infinite Credit Card comparisons
- IndusInd Bank Avios Visa Infinite Credit Card vs 811 Dream Different Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs AU Altura Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs AU Zenith Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express Gold Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express Platinum Travel Card
- IndusInd Bank Avios Visa Infinite Credit Card vs American Express SmartEarn Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Amex Membership Rewards CC
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank ACE Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Atlas Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Flipkart Credit Card
- IndusInd Bank Avios Visa Infinite Credit Card vs Axis Bank Magnus Credit Card