#1₹3,120/yr
OneCard Metal Credit Card
1% cashback · UPI & RuPay
Best net value on this list — about ₹3,120/yr in your pocket after fees on typical spends.
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UPI & RuPay·IDFC FIRST Bank
Popular lifetime-free IDFC entry card with never-expiring points.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 10 benefits →Up to ₹20K/mo
3X reward points
Dining / travel / incremental
10X reward points
Railway lounge
4 visits/quarter
Dining
10 pts/150
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: IDFC FIRST Millennia T&Cs
Earn on UPI credit payments via RuPay-linked cards
RuPay variant supports UPI credit. Visa/Mastercard variants cannot use UPI credit.
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 Millennia T&Cs
Up to ₹20K/mo
3X reward points
Dining / travel / incremental
10X reward points
Railway lounge
4 visits/quarter
Lounge access
4 complimentary railway lounge visits per quarter
Spend criteria: Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025)
Forex markup
3.5%
See worked examples of how points convert to cash value
dining — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
travel — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
upi — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹50
@ ₹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
₹2,110
per year
Annual fee
Free
per year
Effective return
0.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 3.5% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
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
21–60 years · ₹20,000/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 ₹2,530/year. After the ₹0 annual fee, net value is approximately ₹2,110/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent.
Deeper rankings and comparisons for similar use cases.
OneCard Metal Credit Card
1% cashback · UPI & RuPay
Best net value on this list — about ₹3,120/yr in your pocket after fees on typical spends.
SBI SimplySAVE
10 RP/₹100 · UPI & RuPay
Strong runner-up at ₹2,751/yr net — roughly ₹369 behind #1 on the same spend mix.
Axis Bank Neo Credit Card
10% off · UPI & RuPay
Worth a look — ₹1,020/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
