#1₹4,746/yr
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹25,000/mo income · Unsecured
Shopping Partners·ICICI Bank
Best for Amazon Prime shoppers.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 9 benefits →Amazon (Prime)
5%
Unlimited for Prime members
Amazon (non-Prime)
3%
Amazon Pay partners
2%
Other spends
1%
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.
27 Oct 2026
SBI Cashback Card: Still Worth It After the April 2026 Cap Cut?
The ₹4,000 headline is not 5% on a giant cart. Here’s the new cap in rupees — and when the card is still the right one.
27 Oct 2026
Amazon Great Indian Festival 2026: Best Credit Card + Bank Offer Combos
Amazon has named SBI, not HDFC or ICICI, for the sale-day discount. Here’s how the card you pay with changes what you actually keep.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: ICICI Amazon Pay MITC (forex 1.99% w.e.f. Oct 2025)
Amazon, Flipkart & co-branded accelerators
Visa network — UPI credit not supported. Amazon rewards require Amazon Pay balance / card checkout.
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: ICICI Amazon Pay MITC (forex 1.99% w.e.f. Oct 2025)
Amazon (Prime)
Unlimited for Prime members
5%
Example: ₹10,000/mo spend → ≈ ₹500/mo
Amazon (non-Prime)
3%
Example: ₹10,000/mo spend → ≈ ₹300/mo
Amazon Pay partners
2%
Example: ₹10,000/mo spend → ≈ ₹200/mo
Other spends
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
Forex markup
1.99%
Based on moderate spend for this market
Est. net annual
₹3,793
per year
Annual fee
Free
per year
Effective return
1.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 1.99% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
1.99%
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 ₹4,032/year. After the ₹0 annual fee, net value is approximately ₹3,793/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Jewellery.
Deeper rankings and comparisons for similar use cases.
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Swiggy ORNGE HDFC Bank Credit Card
5% · Shopping Partners
Strong runner-up at ₹4,116/yr net — roughly ₹630 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.
