#1₹1,381/yr
IDFC FIRST Select Credit Card
3X reward points · Lounge & Premium
Best net value on this list — about ₹1,381/yr in your pocket after fees on typical spends.
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Lounge & Premium·ICICI Bank
Decent rewards with lounge perks.
Age 21–60 · From ₹30,000/mo income · Unsecured
Key Benefits
All 9 benefits →All spends
2 RP/₹100
Railway lounge
Included
Movie
25% off BookMyShow
₹100/ticket
Railway lounge
4 railway lounges/year + 1…
Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹50/yr after fees. Rewards alone turn positive around ₹33,826/mo in similar category spends.
Model your spends in the calculator →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: ICICI Coral T&Cs
Airport lounge, golf, concierge perks
Lounge access: 4 railway lounges/year + 1 domestic airport lounge/quarter
Spend criteria: Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
Source: ICICI Coral T&Cs
All spends
2 RP/₹100
Railway lounge
Included
Movie
25% off BookMyShow
Cap: ₹100/ticket
Lounge access
4 railway lounges/year + 1 domestic airport lounge/quarter
Spend criteria: Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
See worked examples of how points convert to cash value
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 36 months if unused.
Based on moderate spend for this market
Est. net annual
-₹50
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 · ₹30,000/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 ₹960/year. After the ₹500 annual fee, net value is approximately -₹50/year. Use the calculator above to model your own spends.
₹30,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST Select Credit Card
3X reward points · Lounge & Premium
Best net value on this list — about ₹1,381/yr in your pocket after fees on typical spends.
SBI Card PRIME
5X reward points · Lounge & Premium
Strong runner-up at -₹2,339/yr net — roughly ₹3,720 behind #1 on the same spend mix.
YES Bank Marquee Credit Card
4 RP/₹150 · Lounge & Premium
Worth a look — -₹10,839/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
