#1₹1,404/yr
Axis Bank Atlas Credit Card
5 EDGE Miles/₹150 · Travel & Miles
Best net value on this list — about ₹1,404/yr in your pocket after fees on typical spends.
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Travel & Miles·ICICI Bank
MMT myCash plus lounge access and low forex for travellers.
Age 21–60 · From ₹35,000/mo income · Unsecured
Key Benefits
All 12 benefits →MMT hotels
6% myCash
Flights / holidays / cabs / bus
3% myCash
Other spends
1% myCash
Intl lounge
1/yr
Signup bonus: ₹1,500 (year 1)
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.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: ICICI MakeMyTrip Card T&Cs
Flights, hotels, zero forex options
Source: ICICI MakeMyTrip Card T&Cs
MMT hotels
6% myCash
Example: ₹10,000/mo spend → ≈ ₹600/mo
Flights / holidays / cabs / bus
3% myCash
Example: ₹10,000/mo spend → ≈ ₹300/mo
Other spends
1% myCash
Example: ₹10,000/mo spend → ≈ ₹100/mo
Fee waiver at
₹3,00,000 annual spend
Lounge access
8 domestic + 1 international airport lounge visits per year
Spend criteria: No minimum spend required for lounge access
Forex markup
0.99%
Based on moderate spend for this market
Est. net annual
₹2,761
per year
Annual fee
Free
per year
Effective return
0.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹999 · Forex 0.99% — tap for full fees
Joining fee
Charged in first year
₹999
Annual / renewal fee
Waived on ₹3,00,000 annual spend
₹999
Forex markup
0.99%
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 · ₹35,000/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 ₹2,880/year. After the ₹999 annual fee, net value is approximately ₹2,761/year. Use the calculator above to model your own spends.
₹35,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
Axis Bank Atlas Credit Card
5 EDGE Miles/₹150 · Travel & Miles
Best net value on this list — about ₹1,404/yr in your pocket after fees on typical spends.
SBI Card MILES
Accelerated travel points · Travel & Miles
Strong runner-up at ₹1,020/yr net — roughly ₹384 behind #1 on the same spend mix.
Axis Bank Privilege Credit Card
2 EDGE miles/₹150 · Travel & Miles
Worth a look — ₹12/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
