#1₹12/yr
Axis Bank SELECT Credit Card
2 EDGE miles/₹150 · Lounge & Premium
Best net value on this list — about ₹12/yr in your pocket after fees on typical spends.
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Lounge & Premium·ICICI Bank
For affluent travelers seeking lounge access.
Age 25–60 · From ₹75,000/mo income · Unsecured
Key Benefits
All 12 benefits →All spends
4 RP/₹100
Lounge
Domestic + international
Golf
Complimentary rounds
Intl lounge
Domestic (4/quarter) + 2 i…
Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
Signup bonus: ₹4,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹1,862/yr after fees. It turns positive around ₹56,446/mo — and at heavy spend (₹65,000/mo) we estimate ₹238/yr.
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 Sapphiro T&Cs
Airport lounge, golf, concierge perks
Lounge access: Domestic (4/quarter) + 2 international/year
Spend criteria: Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
Source: ICICI Sapphiro T&Cs
All spends
4 RP/₹100
Lounge
Domestic + international
Golf
Complimentary rounds
Lounge access
Domestic (4/quarter) + 2 international/year
Spend criteria: Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year
Forex markup
3.5%
See worked examples of how points convert to cash value
all — 4 pts per ₹150 spend
You spend
₹10,000
You earn
267 pts
Worth ≈
₹93.33
@ ₹0.35/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.35/pt in calculations. Points expire in 36 months if unused.
Based on moderate spend for this market
Est. net annual
-₹1,862
per year
Annual fee
₹4,130
per year
Effective return
-0.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹3,500 · Forex 3.5% — tap for full fees
Joining fee
Charged in first year
₹3,500
Annual / renewal fee
Charged every year unless waived
₹3,500
Forex markup
3.5%
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
25–60 years · ₹75,000/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 ₹2,688/year. After the ₹3,500 annual fee, net value is approximately -₹1,862/year. Use the calculator above to model your own spends.
₹75,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
Axis Bank SELECT Credit Card
2 EDGE miles/₹150 · Lounge & Premium
Best net value on this list — about ₹12/yr in your pocket after fees on typical spends.
HDFC Regalia Gold
5 RP/₹200 · Lounge & Premium
Strong runner-up at -₹670/yr net — roughly ₹682 behind #1 on the same spend mix.
Kotak White Credit Card
2X reward points · Lounge & Premium
Worth a look — -₹3,420/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
