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IndusInd Bank Avios Visa Infinite Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, SBI SimplyCLICK — 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

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Spend assumptions

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

IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹10,000₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹75,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹10,852/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Travel₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr)—
Top reward rate5X Avios points10X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited lounge access · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

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 SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplyCLICK leads IndusInd Bank Avios Visa Infinite Credit Card by about ₹11,763/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 SimplyCLICK comparison table
FeatureIndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹10,000₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹75,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹10,852/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Travel₹3,000 → 100 pts/mo × ₹0.30/pt = ₹30/mo (₹360/yr)—
Top reward rate5X Avios points10X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited lounge access · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Frequently asked questions

Which card has the lower annual fee?
SBI SimplyCLICK has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
SBI SimplyCLICK leads with an estimated ₹911/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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