#1-₹959/yr
IDFC FIRST Ashva Credit Card
5X reward points · Premium Metal
Best net value on this list — about -₹959/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹60,000/mo income · Unsecured
Premium Metal·American Express
Premium Amex rewards with strong dining multipliers.
Age 21–60 · From ₹60,000/mo income · Unsecured
Key Benefits
All 8 benefits →Dining
4X Membership Rewards/₹150
Other spends
1X MR/₹150
Welcome bonus
₹4,000
Year 1
Dining
4X
Membership Rewards/₹150
Signup bonus: ₹4,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹4,350/yr after fees. Rewards alone turn positive around ₹1,71,452/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Amex Gold Charge Card T&Cs
High income, metal cards, max perks
Source: Amex Gold Charge Card T&Cs
Dining
4X Membership Rewards/₹150
Other spends
1X MR/₹150
See worked examples of how points convert to cash value
dining — 4 pts per ₹150 spend
You spend
₹10,000
You earn
267 pts
Worth ≈
₹133.33
@ ₹0.50/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹33.33
@ ₹0.50/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.50/pt in calculations.
Based on moderate spend for this market
Est. net annual
-₹4,350
per year
Annual fee
₹5,310
per year
Effective return
-1.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹4,500 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹4,500
Annual / renewal fee
Charged every year unless waived
₹4,500
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹60,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,380/year. After the ₹4,500 annual fee, net value is approximately -₹4,350/year. Use the calculator above to model your own spends.
₹60,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Insurance.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST Ashva Credit Card
5X reward points · Premium Metal
Best net value on this list — about -₹959/yr in your pocket after fees on typical spends.
Amex Membership Rewards CC
2 RP/₹150 · Premium Metal
Strong runner-up at -₹4,194/yr net — roughly ₹3,235 behind #1 on the same spend mix.
AU Zenith Credit Card
3X points/₹150 · Premium Metal
Worth a look — -₹8,478/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
