#1₹1,711/yr
IDFC FIRST Select Credit Card
3X reward points per ₹200 · UPI & RuPay
Best net value on this list — about ₹1,711/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹25,000/mo income · Unsecured
UPI & RuPay·Kotak Mahindra Bank
Accelerated rewards on select categories.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 9 benefits →All spends
2 RP/₹150
Welcome
500 bonus points
On first transaction
Fee waiver
₹50,000
yearly spend
All spends
2
RP/₹150
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: Kotak League Platinum T&Cs
Earn on UPI credit payments via RuPay-linked cards
Kotak League Platinum is offered on RuPay for UPI payments. Only the RuPay variant can be linked for UPI credit; Visa/Mastercard variants cannot, so choose RuPay at application.
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 League Platinum T&Cs
All spends
2 RP/₹150
Welcome
On first transaction
500 bonus points
Fee waiver at
₹50,000 annual spend
See worked examples of how points convert to cash value
all — 4 pts per ₹150 spend
You spend
₹10,000
You earn
267 pts
Worth ≈
₹66.67
@ ₹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
₹1,500
per year
Annual fee
Free
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹499
Annual / renewal fee
Waived on ₹50,000 annual spend
₹499
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 · ₹25,000/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 ₹1,920/year. After the ₹499 annual fee, net value is approximately ₹1,500/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
IDFC FIRST Select Credit Card
3X reward points per ₹200 · UPI & RuPay
Best net value on this list — about ₹1,711/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 ₹665 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.
