#1₹4,116/yr
Swiggy ORNGE HDFC Bank Credit Card
5% · Shopping Partners
Best net value on this list — about ₹4,116/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹25,000/mo income · Unsecured
Shopping Partners·RBL Bank
Platinum Plus SuperCard — 2 RP/₹100 online (cap 1,000 RP), 1 RP/₹100 else. Fee waived at ₹1L.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 10 benefits →Online spends
2 RP/₹100
1,000 RP
Other spends
1 RP/₹100
Fee waiver
₹1,00,000 (Platinum Plus)
Fee waiver
₹1,00,000
yearly spend
Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
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: Bajaj Platinum Plus SuperCard KFS — ₹999, 2/1 RP per ₹100, ₹1L waiver
Amazon, Flipkart & co-branded accelerators
Visa/Mastercard — UPI credit not supported.
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: Bajaj Platinum Plus SuperCard KFS — ₹999, 2/1 RP per ₹100, ₹1L waiver
Online spends
2 RP/₹100
Cap: 1,000 RP
Other spends
1 RP/₹100
Fee waiver
₹1,00,000 (Platinum Plus)
Fee waiver at
₹1,00,000 annual spend
See worked examples of how points convert to cash value
online shopping — 3 pts per ₹150 spend
You spend
₹250
You earn
5 pts
Worth ≈
₹1.25
@ ₹0.25/point
Capped at ₹250/month spend for accelerated rate
all — 1.5 pts per ₹150 spend
You spend
₹10,000
You earn
100 pts
Worth ≈
₹25
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹630
per year
Annual fee
Free
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹999 · 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.
₹999
Annual / renewal fee
Waived on ₹1,00,000 annual spend
₹999
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 · ₹25,000/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 ₹1,050/year. After the ₹999 annual fee, net value is approximately ₹630/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI interest, Cash advance.
Deeper rankings and comparisons for similar use cases.
Swiggy ORNGE HDFC Bank Credit Card
5% · Shopping Partners
Best net value on this list — about ₹4,116/yr in your pocket after fees on typical spends.
ICICI Amazon Pay Credit Card
5% · Shopping Partners
Strong runner-up at ₹3,793/yr net — roughly ₹323 behind #1 on the same spend mix.
HDFC Millennia Credit Card
5% · Shopping Partners
Worth a look — ₹3,612/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
