#1₹915/yr
ICICI Coral Credit Card
2 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹915/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹50,000/mo income · Unsecured
UPI & RuPay·IDFC FIRST Bank
Metal card with airport and railway lounge access.
Age 21–60 · From ₹50,000/mo income · Unsecured
Key Benefits
All 11 benefits →Up to ₹20K/mo
5X reward points
Incremental spends
10X reward points
Lounge
Airport + railway access
Railway lounge
2/quarter
Lounge gated on ₹20,000 spend in the previous calendar month
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹959/yr after fees. It turns positive around ₹42,519/mo — and at heavy spend (₹65,000/mo) we estimate ₹1,881/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-09-24
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.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: IDFC FIRST Ashva pdoc — ₹2,999 fee; ₹8L unlocks 7,500 pts not a fee waiver
Earn on UPI credit payments via RuPay-linked cards
UPI works through IDFC FIRST’s free Digital RuPay credit card for existing cardholders, not through the Ashva card itself. UPI earns at the companion card’s rate.
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: IDFC FIRST Ashva pdoc — ₹2,999 fee; ₹8L unlocks 7,500 pts not a fee waiver
Up to ₹20K/mo
5X reward points
Incremental spends
10X reward points
Lounge
Airport + railway access
Lounge access
4 domestic + 2 international airport lounge visits per quarter (+ railway lounges)
Spend criteria: Lounge gated on ₹20,000 spend in the previous calendar month
Forex markup
1%
See worked examples of how points convert to cash value
all — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹83.33
@ ₹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.
Based on moderate spend for this market
Est. net annual
-₹959
per year
Annual fee
₹3,539
per year
Effective return
-0.3%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹2,999 · Forex 1% — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹2,999
Annual / renewal fee
Charged every year unless waived · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹2,999
Forex markup
1%
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 · ₹50,000/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 ₹2,700/year. After the ₹2,999 annual fee, net value is approximately -₹959/year. Use the calculator above to model your own spends.
₹50,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent, Wallet top-ups, Insurance.
Deeper rankings and comparisons for similar use cases.
ICICI Coral Credit Card
2 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹915/yr in your pocket after fees on typical spends.
HDFC Regalia Gold
5 RP/₹200 · UPI & RuPay
Strong runner-up at -₹670/yr net — roughly ₹1,585 behind #1 on the same spend mix.
ICICI Sapphiro Credit Card
4 RP/₹150 · UPI & RuPay
Worth a look — -₹1,862/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
