IndusInd Bank Avios Visa Infinite Credit Card VS SBI Card Miles Elite VS AU Fi Magnifi Credit Card VS Bank of Baroda Etihad Guest Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndusInd Bank Avios Visa Infinite Credit Card
SBI Card Miles Elite
AU Fi Magnifi Credit Card
Bank of Baroda Etihad Guest Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Exceptional Avios earning rates, especially on international and airline spends.
Comprehensive travel benefits including meet & greet, lounge access, and concierge.
Low foreign currency markup of 1.5% at preferred destinations enhances global spending.
Generous milestone benefits offer up to 36,000 bonus Avios annually on target spends.
Extensive insurance coverage provides robust protection for international travel.
Pros
Key benefits and features.
Substantial welcome bonus of 5,000 Travel Credits on initial spends.
Extensive complimentary domestic and international airport lounge access.
Low foreign currency markup of 1.99% makes international spends economical.
Comprehensive travel insurance covers flight cancellations and baggage issues.
Available on RuPay network, enabling seamless UPI payments for convenience.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, making it easy to maintain.
High reward rate of up to 5% (20 Fi Points/₹100) on weekend spending.
Provides valuable 20% discounts on Amazon, Zepto, Zomato, and BookMyShow.
An excellent entry-level card for building credit history and saving money.
Pros
Key benefits and features.
Low 1% forex markup makes it ideal for international travelers
Multiple bonus mile opportunities on meeting monthly, quarterly, and annual spend thresholds
Complimentary domestic and international lounge access included
Annual fee waiver achievable on spending ₹3,00,000
Complimentary Etihad Guest tier upgrade for frequent flyers
Cons
Key drawbacks and limitations.
High joining and annual fees may deter those who do not travel internationally often.
No spend-based waiver for the annual fee, requiring consistent payment each year.
Domestic lounge access is limited to two visits per quarter, which might be insufficient.
Avios earning is significantly reduced for utility, government, and education spends.
Priority Pass lounge visits within India are not complimentary for the primary cardholder.
Cons
Key drawbacks and limitations.
Reward earning rate on general spends is not highly competitive compared to peers.
Lacks specific additional benefits for popular categories like movies or dining.
High joining and renewal fees of Rs. 4,999 + taxes may deter some users.
Travel Credits have varying redemption values, which can be confusing for users.
Complimentary Priority Pass membership is only valid for the first two years.
Cons
Key drawbacks and limitations.
Weekday Fi points earning is capped at 2,000 per statement cycle.
Weekend discounts are capped at ₹100, require min. ₹500 spend, and are monthly.
Lacks airport lounge access and other premium travel or lifestyle benefits.
High foreign currency markup of 3.49% makes it unsuitable for international use.
Cons
Key drawbacks and limitations.
No reward points or cashback earned on fuel transactions
Miles can only be redeemed on the Etihad platform, limiting flexibility
Joining and annual fees are relatively high at ₹2,500 plus GST
Lounge access is capped per quarter, restricting frequent use