Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs SBI BPCL Octane vs slice credit card
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI BPCL Octane, slice 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of slice credit card by about ₹6,060/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | SBI BPCL Octane SBI Card | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹1,499 | 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 | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹3,510/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 | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | ₹500 eligible spend/mo |
| 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: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- slice credit card lists a minimum monthly income of ₹15,000.
- 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
slice credit card
Slice
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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹1,499 | 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 | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | ₹9,570/yr | ₹3,510/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 | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | ₹500 eligible spend/mo |
| 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: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
IndusInd Bank Avios Visa Infinite Credit Card details →SBI BPCL Octane details →slice credit card details →
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