#1-₹670/yr
HDFC Regalia Gold
5 RP/₹200 · UPI & RuPay
Best net value on this list — about -₹670/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹75,000/mo income · Unsecured
UPI & RuPay·IDFC FIRST Bank
₹5,999 metal card with 0% forex and spend-gated lounge; points worth ₹0.50 on IDFC app travel.
Age 21–60 · From ₹75,000/mo income · Unsecured
Key Benefits
All 10 benefits →Eligible spends to ₹20,000/cycle
5 pts/₹150
Incremental spends above ₹20,000
10 pts/₹150
Forex
0% markup
Railway lounge
4/quarter
Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month
Signup bonus: ₹1,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹4,279/yr after fees. It turns positive around ₹58,631/mo — and at heavy spend (₹65,000/mo) we estimate ₹1,721/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-11-06
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 Mayura product guide / May 2026 update — ₹5,999+GST joining & annual; 1 pt = ₹0.50 on app travel, ₹0.25 elsewhere.
Earn on UPI credit payments via RuPay-linked cards
Mayura metal is typically Visa/Mastercard; UPI credit is via the linked FIRST Digital RuPay card, which earns a lower rate than Mayura itself.
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 Mayura product guide / May 2026 update — ₹5,999+GST joining & annual; 1 pt = ₹0.50 on app travel, ₹0.25 elsewhere.
Eligible spends to ₹20,000/cycle
5 pts/₹150
Incremental spends above ₹20,000
10 pts/₹150
Forex
0% markup
Lounge access
4 domestic (incl. 1 guest) + 4 international lounge visits/quarter; 4 railway visits/quarter
Spend criteria: Lounge and movie BOGO gated on ₹20,000 spend in the previous calendar month
Forex markup
0%
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
-₹4,279
per year
Annual fee
₹7,079
per year
Effective return
-1.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹5,999 · Forex 0% — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹5,999
Annual / renewal fee
Charged every year unless waived · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹5,999
Forex markup
0%
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 · ₹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 ₹2,800/year. After the ₹5,999 annual fee, net value is approximately -₹4,279/year. Use the calculator above to model your own spends.
₹75,000/month for salaried applicants (indicative — bank decides).
Fuel, EMI transactions, Fees, Cash, Balance transfer.
Deeper rankings and comparisons for similar use cases.
HDFC Regalia Gold
5 RP/₹200 · UPI & RuPay
Best net value on this list — about -₹670/yr in your pocket after fees on typical spends.
IDFC FIRST Ashva Credit Card
5X reward points · UPI & RuPay
Strong runner-up at -₹959/yr net — roughly ₹289 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.
