#1₹3,670/yr
HDFC Bharat Cashback Credit Card
5% cashback · UPI & RuPay
Best net value on this list — about ₹3,670/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹20,000/mo income · Unsecured
UPI & RuPay·Kotak Mahindra Bank
Good starter card via Kotak 811 app journey.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 9 benefits →Online spends
5%
₹500/mo cashback
Other spends
1%
Online
5%
Cap ₹500/mo
UPI
1%
Signup bonus: ₹500 (year 1)
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.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Kotak 811 Dream Different T&Cs
Earn on UPI credit payments via RuPay-linked cards
RuPay credit card — UPI credit supported on compatible UPI apps.
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: Kotak 811 Dream Different T&Cs
Online spends
5%
Cap: ₹500/mo cashback
Example: ₹500/mo spend → ≈ ₹25/mo (max at cap)
Other spends
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
Based on moderate spend for this market
Est. net annual
₹6,300
per year
Annual fee
Free
per year
Effective return
1.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 3.5% on international transactions — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
3.5% on international transactions
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 ₹6,720/year. After the ₹0 annual fee, net value is approximately ₹6,300/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
HDFC Bharat Cashback Credit Card
5% cashback · UPI & RuPay
Best net value on this list — about ₹3,670/yr in your pocket after fees on typical spends.
slice credit card
Up to 1% cashback · UPI & RuPay
Strong runner-up at ₹3,240/yr net — roughly ₹430 behind #1 on the same spend mix.
OneCard Metal Credit Card
1% cashback · UPI & RuPay
Worth a look — ₹3,120/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
