Which card has the lower annual fee?

SBI Card ELITE has the lowest annual fee at ₹4,999.

Which card earns more on moderate spend?

SBI Card ELITE leads with an estimated -₹3,818/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card ELITE lists a minimum monthly income of ₹60,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

IndusInd Bank Avios Visa Infinite Credit Card vs SBI Card ELITE

Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank

Card 2

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature	IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹10,000	₹4,999
Fee waiver threshold	No waiver published	₹10,00,000/yr
Min income	₹75,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹10,852/yr	-₹3,818/yr
Groceries (offline)	—	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr)	—
Top reward rate	5X Avios points	5X 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	6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	—	₹5,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

IndusInd Bank Avios Visa Infinite Credit Card details →SBI Card ELITE details →

Share this comparison

https://cardhungry.com/in/en/compare/indusind-avios-vs-sbi-elite

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card ELITE leads IndusInd Bank Avios Visa Infinite Credit Card by about ₹7,034/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IndusInd Bank Avios Visa Infinite Credit Card vs SBI Card ELITE comparison table
Feature	IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹10,000	₹4,999
Fee waiver threshold	No waiver published	₹10,00,000/yr
Min income	₹75,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹10,852/yr	-₹3,818/yr
Groceries (offline)	—	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	—	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel	₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr)	—
Top reward rate	5X Avios points	5X 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	6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	—	₹5,000

Frequently asked questions

Which card has the lower annual fee?: SBI Card ELITE has the lowest annual fee at ₹4,999.
Which card earns more on moderate spend?: SBI Card ELITE leads with an estimated -₹3,818/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card ELITE lists a minimum monthly income of ₹60,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More IndusInd Bank Avios Visa Infinite Credit Card comparisons