AU Tejas vs IndusInd Avios

Compare AU Tejas vs IndusInd Avios across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IndusInd Avios leads on reward rate, while AU Tejas has the lowest annual fee.

Card 1

AU Tejas

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

IndusInd Avios

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.6

Balanced value10.0

au / VISA

AU Tejas

Annual

₹500

Return

10%

Lounges

Forex

3.49%

Card summary

AU Tejas leans cashback-first with ₹500 annual fee, 10% headline return potential, and 0 lounge access.

Pros

Strong benefit ceiling if you recover the ₹500 annual fee.
10% cashback keeps value easy to understand.
Simple everyday positioning without premium travel complexity.

Cons

3.49% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Balanced value8.6

indusind / VISA

IndusInd Avios

Annual

₹4,999

Return

Lounges

Forex

1.99%

Card summary

IndusInd Avios leans travel and lifestyle with ₹4,999 annual fee, 4% headline return potential, and 14 lounge access.

Pros

Strong benefit ceiling if you recover the ₹4,999 annual fee.
4% reward rate can outperform flat cashback for loyal users.
14 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹15,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

AU Tejas

IndusInd Avios

Fees

Annual fee

₹500

₹4,999

Joining fee

₹500

₹4,999

Rewards

Cashback rate

10%

Reward rate

Travel

Forex markup

3.49%

1.99%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Eligibility

Minimum income

₹2,00,000

₹15,00,000

AU Tejas vs IndusInd Avios

Futuristic side-by-side card intelligence

AU Tejas

IndusInd Avios

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