Which card has the lower annual fee?

SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.

Which card has the lower income requirement?

IndusInd Bank Avios Visa Infinite Credit Card lists a minimum monthly income of ₹75,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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 against Fixed Deposit

Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI Card against Fixed Deposit — 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 Card against Fixed Deposit leads IndusInd Bank Avios Visa Infinite Credit Card by about ₹10,306/yr in estimated net value.

IndusInd Bank Avios Visa Infinite Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹10,000	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹75,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹8,536/yr	₹1,770/yr
Travel	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	5X Avios points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card against Fixed Deposit leads with an estimated ₹1,770/yr net annual value on moderate spend.
Which card has the lower income requirement?: IndusInd Bank Avios Visa Infinite Credit Card lists a minimum monthly income of ₹75,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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.

Card 1

IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank

Card 2

SBI Card against Fixed Deposit

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 CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹10,000	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹75,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹8,536/yr	₹1,770/yr
Travel	5 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	5X Avios points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	—	—

IndusInd Bank Avios Visa Infinite Credit Card details →SBI Card against Fixed Deposit details →

Share this comparison

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Bank Avios Visa Infinite Credit Card comparisons