#1₹1,500/yr
Kotak League Platinum
2 RP/₹150 · UPI & RuPay
Best net value on this list — about ₹1,500/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹30,000/mo income · Unsecured
UPI & RuPay·IDFC FIRST Bank
Strong rewards with lounge and railway access.
Age 21–60 · From ₹30,000/mo income · Unsecured
Key Benefits
All 9 benefits →Monthly spend up to ₹20,000
3X reward points per ₹200
Incremental monthly spend above ₹20,000
10X reward points per ₹200
Forex markup
1.99%
Lounge
1 domestic visit per quarter
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
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 Select T&Cs; earn base ₹150→₹200 (18 Jan 2026) and lounge change (Apr 2026) per public sources, Oct 2026
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 Select 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 Select T&Cs; earn base ₹150→₹200 (18 Jan 2026) and lounge change (Apr 2026) per public sources, Oct 2026
Monthly spend up to ₹20,000
3X reward points per ₹200
Incremental monthly spend above ₹20,000
10X reward points per ₹200
Forex markup
1.99%
Example: ₹10,000/mo spend → ≈ ₹199/mo
Lounge
1 domestic visit per quarter
Lounge access
1 domestic airport lounge visit per quarter (reduced from April 2026)
Spend criteria: Needs ₹20,000 spend in a month to unlock the benefit in the next month
Forex markup
1.99%
See worked examples of how points convert to cash value
all — 3 pts per ₹200 spend
You spend
₹10,000
You earn
150 pts
Worth ≈
₹37.50
@ ₹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
₹1,711
per year
Annual fee
Free
per year
Effective return
0.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 1.99% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
1.99%
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 · ₹30,000/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 ₹1,950/year. After the ₹0 annual fee, net value is approximately ₹1,711/year. Use the calculator above to model your own spends.
₹30,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent.
Deeper rankings and comparisons for similar use cases.
Kotak League Platinum
2 RP/₹150 · UPI & RuPay
Best net value on this list — about ₹1,500/yr in your pocket after fees on typical spends.
Axis IOCL Credit Card
20 Edge Miles/₹100 · UPI & RuPay
Strong runner-up at ₹1,046/yr net — roughly ₹454 behind #1 on the same spend mix.
Kotak Urbane Gold Credit Card
3 reward points/₹100 · UPI & RuPay
Worth a look — ₹1,020/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
