#1-₹8,246/yr
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹1,00,000/mo income · Unsecured
Premium Metal·ICICI Bank
Invitation-style metal card above Sapphiro for high spenders.
Age 21–60 · From ₹1,00,000/mo income · Unsecured
Key Benefits
All 9 benefits →Travel
4X reward points
Other spends
2X reward points
iShop vouchers
Steep cut Jan 2026
Premium returns ~18%→~3% on iShop — verify current portal
Intl lounge
Domestic & international l…
Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹11,808/yr after fees. Rewards alone turn positive around ₹1,86,626/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
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.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: ICICI Emeralde T&Cs (Jan 2026 iShop & fee revision)
High income, metal cards, max perks
Source: ICICI Emeralde T&Cs (Jan 2026 iShop & fee revision)
Travel
4X reward points
Other spends
2X reward points
iShop vouchers
Premium returns ~18%→~3% on iShop — verify current portal
Steep cut Jan 2026
Lounge access
Domestic & international lounge — verify spend-linked rules on MITC
Spend criteria: Jan 2026: several ICICI premium cards moved to spend-linked lounge; confirm threshold on issuer site
Forex markup
2%
See worked examples of how points convert to cash value
travel — 6 pts per ₹150 spend
You spend
₹10,000
You earn
400 pts
Worth ≈
₹160
@ ₹0.40/point
all — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹80
@ ₹0.40/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.40/pt in calculations.
Based on moderate spend for this market
Est. net annual
-₹11,808
per year
Annual fee
₹14,160
per year
Effective return
-3.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹12,000 · Forex 2% — tap for full fees
Joining fee
Charged in first year
₹12,000
Annual / renewal fee
Charged every year unless waived
₹12,000
Forex markup
2%
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 · ₹1,00,000/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 ₹2,592/year. After the ₹12,000 annual fee, net value is approximately -₹11,808/year. Use the calculator above to model your own spends.
₹1,00,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Gaming, Wallet loads above threshold.
Deeper rankings and comparisons for similar use cases.
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
HDFC Diners Club Black Metal
10X points · Premium Metal
Strong runner-up at -₹8,920/yr net — roughly ₹674 behind #1 on the same spend mix.
Axis Bank Magnus Credit Card
12 Edge Miles/₹200 · Premium Metal
Worth a look — -₹11,102/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
