#1₹6,480/yr
Scapia Federal Credit Card
10% Scapia coins · UPI & RuPay
Best net value on this list — about ₹6,480/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹20,000/mo income · Unsecured
UPI & RuPay·Axis Bank
Best for Airtel postpaid/broadband/DTH households.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 9 benefits →Airtel bills (Thanks app)
25%
₹250/mo
Zomato, Blinkit & District Movies (₹499+ order)
10%
₹250/mo
Other spends
1%
2026 revision
Cashback restructured
Verify current Thanks-app caps on Axis MITC
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Axis Airtel Card T&Cs (2026 cashback restructuring); 10% limited to named merchants per Airtel value chart, Oct 2026
Earn on UPI credit payments via RuPay-linked cards
Airtel Axis RuPay variant links to GPay, PhonePe and other UPI apps. Only the RuPay variant can be linked for UPI credit; Visa/Mastercard variants cannot, so choose RuPay at application.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: Axis Airtel Card T&Cs (2026 cashback restructuring); 10% limited to named merchants per Airtel value chart, Oct 2026
Airtel bills (Thanks app)
25%
Cap: ₹250/mo
Example: ₹250/mo spend → ≈ ₹62.50/mo (max at cap)
Zomato, Blinkit & District Movies (₹499+ order)
Utility bills via the Thanks app also earn 10%
10%
Cap: ₹250/mo
Example: ₹250/mo spend → ≈ ₹25/mo (max at cap)
Other spends
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
2026 revision
Verify current Thanks-app caps on Axis MITC
Cashback restructured
Fee waiver at
₹2,00,000 annual spend
Based on moderate spend for this market
Est. net annual
₹6,468
per year
Annual fee
Free
per year
Effective return
1.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹500 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹500
Annual / renewal fee
Waived on ₹2,00,000 annual spend
₹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 · ₹20,000/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 ₹6,888/year. After the ₹500 annual fee, net value is approximately ₹6,468/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Government.
Deeper rankings and comparisons for similar use cases.
Scapia Federal Credit Card
10% Scapia coins · UPI & RuPay
Best net value on this list — about ₹6,480/yr in your pocket after fees on typical spends.
HDFC Bharat Cashback Credit Card
5% cashback · UPI & RuPay
Strong runner-up at ₹3,240/yr net — roughly ₹3,240 behind #1 on the same spend mix.
slice credit card
1% · UPI & RuPay
Worth a look — ₹3,240/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
