#1-₹2,052/yr
RBL World Safari
4X points · Travel & Miles
Best net value on this list — about -₹2,052/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹50,000/mo income · Unsecured
Travel & Miles·Axis Bank
Strong for flights and hotel transfers via EDGE Rewards.
Age 21–60 · From ₹50,000/mo income · Unsecured
Key Benefits
All 13 benefits →Travel spends
5 EDGE Miles/₹150
Other spends
2 EDGE Miles/₹150
Transfer partners
Accor/Marriott/Qatar removed
From 2 Apr 2026 Travel Edge revision
Lounge
Tiered domestic + intl visits/year
Signup bonus: ₹5,000 (year 1)
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.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Axis Atlas T&Cs (Apr 2026 Travel Edge partner revision)
Flights, hotels, zero forex options
Source: Axis Atlas T&Cs (Apr 2026 Travel Edge partner revision)
Travel spends
5 EDGE Miles/₹150
Other spends
2 EDGE Miles/₹150
Transfer partners
ChangedFrom 2 Apr 2026 Travel Edge revision See what changed
Accor/Marriott/Qatar removed
Lounge
Tiered domestic + intl visits/year
Fee waiver at
₹2,00,000 annual spend
Lounge access
Up to 18 domestic + 12 international visits/year
Spend criteria: Visit count scales with annual card spend tiers — check Axis Atlas milestones
See worked examples of how points convert to cash value
travel — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹133.33
@ ₹0.40/point
all — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹53.33
@ ₹0.40/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.40/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹1,404
per year
Annual fee
Free
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹5,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹5,000
Annual / renewal fee
Waived on ₹2,00,000 annual spend
₹5,000
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 · ₹50,000/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 ₹1,824/year. After the ₹5,000 annual fee, net value is approximately ₹1,404/year. Use the calculator above to model your own spends.
₹50,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
RBL World Safari
4X points · Travel & Miles
Best net value on this list — about -₹2,052/yr in your pocket after fees on typical spends.
SBI Card ELITE
5X reward points · Travel & Miles
Strong runner-up at -₹3,818/yr net — roughly ₹1,766 behind #1 on the same spend mix.
American Express Platinum Travel Card
3X Membership Rewards/₹150 · Travel & Miles
Worth a look — -₹5,120/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
