#1₹220/yr
AU LIT Credit Card
1–2 RP/₹150 · First Card / Entry
Best net value on this list — about ₹220/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹20,000/mo income · Unsecured
First Card / Entry·HDFC Bank
Good starter card with partner accelerators.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 8 benefits →Amazon & Flipkart
10X points
₹2,500/mo
Other spends
2 RP/₹150
Welcome bonus
₹500
Year 1
Amazon & Flipkart
10X
points (cap ₹2,500/mo)
Signup bonus: ₹500 (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.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HDFC MoneyBack+ T&Cs
Low income threshold, easy approval
Source: HDFC MoneyBack+ T&Cs
Amazon & Flipkart
10X points
Cap: ₹2,500/mo
Other spends
2 RP/₹150
See worked examples of how points convert to cash value
online shopping — 10 pts per ₹150 spend
You spend
₹2,500
You earn
167 pts
Worth ≈
₹41.67
@ ₹0.25/point
Capped at ₹2,500/month spend for accelerated rate
all — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹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. Points expire in 24 months if unused.
Based on moderate spend for this market
Est. net annual
₹130
per year
Annual fee
₹590
per year
Effective return
0.0%
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
₹500
Annual / renewal fee
Charged every year unless waived
₹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 · ₹20,000/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 ₹1,140/year. After the ₹500 annual fee, net value is approximately ₹130/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
AU LIT Credit Card
1–2 RP/₹150 · First Card / Entry
Best net value on this list — about ₹220/yr in your pocket after fees on typical spends.
IndusInd Bank Platinum Credit Card
1 reward point/₹150 · First Card / Entry
Strong runner-up at ₹60/yr net — roughly ₹160 behind #1 on the same spend mix.
ICICI Platinum Chip
1 RP/₹150 · First Card / Entry
Worth a look — -₹36/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
