Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | SBI Card SBI Card MILES ELITE | IndusInd Bank IndusInd Bank Avios Visa Infinite Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | IndusInd Bank |
| Network | Mastercard + RuPay | Visa |
| Annual fee | ₹4,999 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | At ₹15,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 1.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 0.8% · Eligible travel MCCs | 1.5% · British Airways and Qatar Airways direct Avios |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 2.0% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent travellers able to use transfer partners and justify a premium annual fee. | British Airways or Qatar Airways Avios collectors who travel internationally several times a year. |
| Main trade-off | The conservative value is ₹0.25 per Travel Credit; travel booking and partner-transfer values vary. Credits expire after 24 months, and the ₹15 lakh fee waiver is demanding. | The 1.5% forex rate applies only to point-of-sale spend at the selected preferred destination; standard forex is 3.5%. Reward earning per statement is limited by the assigned credit limit and cannot be fully valued without that limit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
