#1₹3,240/yr
slice credit card
1% · UPI & RuPay
Best net value on this list — about ₹3,240/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹15,000/mo income · Unsecured
UPI & RuPay·HDFC Bank
Fuel and essentials cashback; fee waived on ₹50k annual spend.
Age 21–60 · From ₹15,000/mo income · Unsecured
Key Benefits
All 8 benefits →Fuel, groceries, bill payments, recharges, IRCTC
5% cashback
₹150/month combined
Other spends
1% cashback
Fuel
5%
Cap ₹150/mo
Groceries
5%
Cap ₹150/mo
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
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.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HDFC Bharat T&Cs (cap corrected to ₹150/month combined, Oct 2026; PayZapp/SmartBuy 5% not modeled)
Earn on UPI credit payments via RuPay-linked cards
RuPay credit card — UPI credit enabled on supported UPI apps.
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: HDFC Bharat T&Cs (cap corrected to ₹150/month combined, Oct 2026; PayZapp/SmartBuy 5% not modeled)
Fuel, groceries, bill payments, recharges, IRCTC
5% cashback
Cap: ₹150/month combined
Example: ₹150/mo spend → ≈ ₹7.50/mo (max at cap)
Other spends
1% cashback
Example: ₹10,000/mo spend → ≈ ₹100/mo
Fee waiver at
₹50,000 annual spend
Based on moderate spend for this market
Est. net annual
₹3,240
per year
Annual fee
Free
per year
Effective return
0.9%
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 ₹50,000 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 · ₹15,000/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 ₹3,660/year. After the ₹500 annual fee, net value is approximately ₹3,240/year. Use the calculator above to model your own spends.
₹15,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent, Wallet loads, Insurance.
Deeper rankings and comparisons for similar use cases.
slice credit card
1% · UPI & RuPay
Best net value on this list — about ₹3,240/yr in your pocket after fees on typical spends.
Axis Bank My Zone Credit Card
4% · UPI & RuPay
Strong runner-up at ₹3,130/yr net — roughly ₹110 behind #1 on the same spend mix.
IDFC FIRST HPCL Power+ Credit Card
30 pts/₹150 (5%) · UPI & RuPay
Worth a look — ₹2,376/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
