#1-₹670/yr
HDFC Regalia Gold
5 RP/₹200 · Lounge & Premium
Best net value on this list — about -₹670/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹50,000/mo income · Unsecured
Lounge & Premium·Axis Bank
For Axis relationship customers wanting lounge and milestone perks.
Age 21–60 · From ₹50,000/mo income · Unsecured
Key Benefits
All 10 benefits →Travel
2 EDGE miles/₹150
Other spends
1 mile/₹150
Lounge
2/quarter domestic
Verify current T&Cs
Lounge
2/quarter
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 SELECT T&Cs
Airport lounge, golf, concierge perks
Lounge access: Domestic lounge — typically 2 visits per quarter
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
Source: Axis SELECT T&Cs
Travel
2 EDGE miles/₹150
Other spends
1 mile/₹150
Lounge
Verify current T&Cs
2/quarter domestic
Fee waiver at
₹3,00,000 annual spend
Lounge access
Domestic lounge — typically 2 visits per quarter
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
See worked examples of how points convert to cash value
travel — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹26.67
@ ₹0.20/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹13.33
@ ₹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
₹12
per year
Annual fee
Free
per year
Effective return
0.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹3,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹3,000
Annual / renewal fee
Waived on ₹3,00,000 annual spend
₹3,000
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 ₹432/year. After the ₹3,000 annual fee, net value is approximately ₹12/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.
HDFC Regalia Gold
5 RP/₹200 · Lounge & Premium
Best net value on this list — about -₹670/yr in your pocket after fees on typical spends.
ICICI Sapphiro Credit Card
4 RP/₹100 · Lounge & Premium
Strong runner-up at -₹1,862/yr net — roughly ₹1,192 behind #1 on the same spend mix.
Kotak White Credit Card
2X reward points · Lounge & Premium
Worth a look — -₹3,420/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
