#1-₹8,920/yr
HDFC Diners Club Black Metal
10X points · Premium Metal
Best net value on this list — about -₹8,920/yr in your pocket after fees on typical spends.
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Premium Metal·Axis Bank
Invite-only super-premium card with unlimited lounge access.
Age 21–60 · From ₹1,00,000/mo income · Unsecured
Key Benefits
All 8 benefits →All spends
15 EDGE Reward Points/₹200
Lounge
Unlimited domestic & international
Intl lounge
Unlimited
Verify current Axis MITC for spend-linked lounge rules on Reserve
Lounge
Unlimited
domestic & international lounge — Verify current Axis MITC for spend-linked lounge rules on Reserve
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹54,860/yr after fees. Rewards alone turn positive around ₹4,41,781/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
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: Axis Reserve T&Cs
High income, metal cards, max perks
Source: Axis Reserve T&Cs
All spends
15 EDGE Reward Points/₹200
Lounge
Unlimited domestic & international
Lounge access
Unlimited domestic & international lounge
Spend criteria: Verify current Axis MITC for spend-linked lounge rules on Reserve
Forex markup
1.5%
See worked examples of how points convert to cash value
all — 15 pts per ₹200 spend
You spend
₹10,000
You earn
750 pts
Worth ≈
₹150
@ ₹0.20/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.20/pt in calculations.
Based on moderate spend for this market
Est. net annual
-₹54,860
per year
Annual fee
₹59,000
per year
Effective return
-14.8%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹50,000 · Forex 1.5% — tap for full fees
Joining fee
Charged in first year
₹50,000
Annual / renewal fee
Charged every year unless waived
₹50,000
Forex markup
1.5%
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 · ₹1,00,000/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 ₹4,320/year. After the ₹50,000 annual fee, net value is approximately -₹54,860/year. Use the calculator above to model your own spends.
₹1,00,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
HDFC Diners Club Black Metal
10X points · Premium Metal
Best net value on this list — about -₹8,920/yr in your pocket after fees on typical spends.
Axis Bank Magnus Credit Card
12 Edge Miles/₹200 · Premium Metal
Strong runner-up at -₹11,102/yr net — roughly ₹2,182 behind #1 on the same spend mix.
ICICI Bank Emeralde Private Metal Credit Card
4X reward points · Premium Metal
Worth a look — -₹11,808/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
